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Ringgit and Sense

BFM Media
Financial Planning
Personal Finance
Malaysia
Financial Literacy
Budgeting
Insurance
Tax Relief
Retirement Planning
Investment Strategies
Credit Cards
Inflation
Debt Management
Employee Provident Fund
EPF
Interest Rates
Estate Planning
Bank Negara Malaysia
Buy Now Pay Later
Scams
Cryptocurrency

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

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Artwork for Ringgit and Sense

Latest Episodes

About 38% of EPF members have reached what EPF calls "Basic Savings," up from 35% last year, but that still leaves 62% short. And "Basic Savings" only covers bare necessities. Felix Neoh joins us to unpack what's realistic for salaried employees, gig... more

AI infrastructure buildouts, a wave of mega IPOs, energy supply shocks, and shifting safe-haven dynamics have prompted investors to rethink their positioning for the second half of 2026. Desmond Kuang from HSBC joins us to discuss the private bank’s ... more

Singapore is Southeast Asia's largest stock market, but most Malaysian investors only go as far as DBS, UOB, and OCBC for dividends. Is there more to the SGX than yield plays?

We discuss:

• • Beyond the banks and REITs, which sectors and themes on ... more

Buy Now Pay Later has become the default payment method for millions of Malaysian consumers, promising instant approval and zero friction at checkout. But that is changing, and the new Consumer Credit Act is rewriting the rules.

Johnson Hong and Lo... more

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Recent Guests

Desmond Kuang
Chief Investment Officer Asia, HSBC Private Bank and Premier Wealth
HSBC Private Bank and Premier Wealth
Episode: AI, Mega IPOs and Portfolio Construction for H2 2026
Chin Hui Leong
Co-founder of The Smart Investor
The Smart Investor
Episode: Beyond Banks: The SGX Uncovered
Johnson Hong
Partner at Halim Hong & Quek
Halim Hong & Quek
Episode: You Use BNPL. Now the Law Has Your Back
Lo Khai Yi
Partner at Halim Hong & Quek
Halim Hong & Quek
Episode: You Use BNPL. Now the Law Has Your Back
Mohsin Siddiqui
CEO of Wahed
Wahed
Episode: Shariah Property Investing From Just RM500
Alexander Chia
Head of RHB Regional Research
RHB
Episode: Malaysia's Small Cap Stars: Inside RHB's Top Picks for 2026
Nur Mahfuudhzah binti Normin
Licensed financial planner
Resolute Planning
Episode: Islamic Financial Planning 101
Kevin Neoh
Licensed financial planner, head of financial planning at VKA Wealth Planners
VKA Wealth Planners
Episode: Economic Crisis: How Can We Budget For It?
Yuvarajan Periyan
Licensed financial planner and co-founder of Uno Advisers
Uno Advisers
Episode: Is Social Media Hurting the Finances of Young Malaysians?

Host

Jake Lim
Host of Ringgit and Sense on BFM 89.9, frequently appears across multiple shows and platforms under the same brand.

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Talking Points

Recent interactions between the hosts and their guests.

Beyond Banks: The SGX Uncovered
Q: What does this mean for investors? Is there a practical difference for retail buyers?
The main benefit is a wider range of companies to choose from and the option to invest in either Singapore dollars or US dollars, depending on where the listing sits and how investors prefer to access the market; specifics for retail mechanics were still evolving at the time.
Beyond Banks: The SGX Uncovered
Q: Can you explain what this dual listing agreement intends to do?
It allows a single set of offering documents to support listing on both SGX and NASDAQ, reducing duplicate compliance work and expanding the universe of companies that can access two sources of capital from one framework.
AI, Mega IPOs and Portfolio Construction for H2 2026
Q: What kind of returns can investors realistically expect for this year?
The expectation is for a year driven by fundamental earnings growth rather than broad multiple expansion, with US earnings growth central to the outlook and the potential for another strong double-digit return in 2026.
You Use BNPL. Now the Law Has Your Back
Q: Can BNPL borrowing affect a consumer's ability to obtain traditional banking loans like a mortgage?
Yes. A high level of BNPL debt may lower the likelihood of approval for other credit because banks will see a compromised repayment capacity and a lower credit score/transaction history.
You Use BNPL. Now the Law Has Your Back
Q: Under this new Act, what are BNPL providers required to do before granting credit?
Providers must conduct two key tests (credit worthiness and affordability), collect mandatory income-related documents, assess whether the consumer can repay, and ensure the consumer is not insolvent before offering any credit.

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Frequently Asked Questions About Ringgit and Sense

What is Ringgit and Sense about and what kind of topics does it cover?

This program provides practical guidance on personal finance, investing, and money management with a focus on Malaysia. Across episodes, listeners hear accessible explanations of financial concepts (unit trusts, Sukuk, ETFs, budgets, retirement planning) anchored by expert guests such as licensed financial planners, asset managers, and tax professionals. The show balances how-to strategies with real-world case studies, plus timely takes on macro themes (currency, inflation, wage trends) and everyday money decisions (spending during festive periods, managing debt, evaluating financial advisors). Noteworthy is the consistent emphasis on transparency in fees, fiduciary duty, and the importance of professional guidance, alongside accessible saf... more

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Which podcasts are similar to Ringgit and Sense?

These podcasts share a similar audience with Ringgit and Sense:

1. The Breakfast Grille
2. Morning Brief
3. BBK新闻随便看 - 带你了解马来西亚的有趣时事!
4. Mr Money TV Podcast
5. TED Business

How many episodes of Ringgit and Sense are there?

Ringgit and Sense launched 15 years ago and published 722 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Ringgit and Sense?

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What guests have appeared on Ringgit and Sense?

Recent guests on Ringgit and Sense include:

1. Desmond Kuang
2. Chin Hui Leong
3. Johnson Hong
4. Lo Khai Yi
5. Mohsin Siddiqui
6. Alexander Chia
7. Nur Mahfuudhzah binti Normin
8. Kevin Neoh

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