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Ringgit and Sense

BFM Media
Financial Planning
Personal Finance
Malaysia
Financial Literacy
Budgeting
Insurance
Tax Relief
Retirement Planning
Credit Cards
Investment Strategies
Debt Management
EPF
Inflation
Employee Provident Fund
Estate Planning
Interest Rates
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

Budget 2027 introduces personal income tax rate cuts and expands reliefs for middle-income families, upskilling, and first-time home buyers. However, taking advantage of a tax relief or a stamp duty exemption doesn't automatically make it a sound fin... more

From mortgages and car loans to credit cards and BNPL schemes, most Malaysians aren't managing just one liability, they're juggling a whole portfolio of debt. Should you tackle the highest-interest loans or the smaller ones first?

Rajen Devadason, C... more

Borrow money for an asset, that’s good debt. Borrow money for a holiday, that’s bad debt. It sounds simple, but is personal finance ever actually that black and white?

Rajen Devadason, CEO of RD WealthCreation and Licensed Financial Planner with Man... more

Reaching retirement with a sizable nest egg doesn't guarantee long-term security if longevity, healthcare inflation, and unexpected shocks erode your capital. Wan Saifulrizal Wan Ismail, CEO of AmMetLife Insurance Berhad, joins Ringgit & Sense to dis... more

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Recent Guests

Poovarni Rajagopal
Tax partner at Invatex Consulting
Invatex Consulting
Episode: Budget 2027 Taxes: What Can You Claim & Save?
Rajen Devadason
CEO of RD WealthCreation and licensed financial planner
RD WealthCreation; Manulife Investment Management Malaysia, Berhad
Episode: High Interest vs Small Loans: Which Debt To Kill First?
Wan Saifulrizal Wan Ismail
CEO of AmMetLife Insurance Berhad
AmMetLife Insurance Berhad
Episode: Retirement Risks: Longevity, Health Costs, & Capital
Alexander Wong
Managing Editor of SoyaCincau
SoyaCincau
Episode: New iPhones, Price Hikes: Is Upgrading Actually Worth It?
Idham Idris
Director of Corporate Treasury Investment Services and Licensed Financial Planner at Wealth Vantage Advisory
Wealth Vantage Advisory
Episode: iPhones Are Expensive. Should You Subscribe Instead?
Lim Eng Ping
Maybank's head of Wealth Management Malaysia
Maybank
Episode: How Will Your Wealth Be Passed to the Next Gen?
Abdul Halim Abdul Rashid
Maybank's head of Islamic Wealth Management Malaysia
Maybank
Episode: How Will Your Wealth Be Passed to the Next Gen?
Pankaj Kumar
Managing Director of Datametrics Research and Information Centre (DARE)
Datametrics Research and Information Centre (DARE)
Episode: P/E, DCF, or Price to Sales: How Should You Value Stocks?
Ng Zhu Hann
CEO of TradeView Capital, fund management and investment advisory
TradeView Capital
Episode: Is IPO Investing Worth It? Red Flags to Watch

Hosts

Elaine Bui
Host of Ringgit and Sense
Jake Lim
Host of Ringgit and Sense

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Talking Points

Recent interactions between the hosts and their guests.

Good Debt vs Bad Debt: Is It Really That Simple?
Q: What should be the first filter to apply when deciding to take on debt?
Assess whether the debt will improve current cash flow and move you closer to your life goals; if cash flow is negative or uncertain, reconsider or extend the time horizon and be wary of psychological biases.
Good Debt vs Bad Debt: Is It Really That Simple?
Q: But if you can afford a Honda Accord, why would you still consider a more expensive car as part of debt planning?
Because if the move to a higher-end car is tied to acquiring new business or a significant productivity boost within a realistic time frame, it could be rationalized as a strategic investment rather than pure consumption.
Retirement Risks: Longevity, Health Costs, & Capital
Q: As retirement approaches, how should investment risk strategy change?
The guest suggests a balanced approach: avoid everything in one place (like FD) while gradually bucketting investments by age targets (60, 65, 70) to align with spending needs and inflation, maintaining some exposure to growth while protecting against sequence risk.
Retirement Risks: Longevity, Health Costs, & Capital
Q: Of the key risks around retirement, what's the risk Malaysians aren't paying enough attention to?
Wan emphasizes preparation and conscious planning, highlighting EPF's framework as a baseline and recommending benchmarking against basic, adequate, and enhanced savings to ensure sustainable retirement income.
New iPhones, Price Hikes: Is Upgrading Actually Worth It?
Q: From your perspective, what should people consider when deciding whether to upgrade now or wait?
Evaluate how you actually use your phone, whether you need better cameras or a smaller form factor, and balance this against the incremental nature of most upgrades; consider whether the extra cost buys meaningful improvements or just trend-following.

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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 show focuses on personal finance, wealth management, and investment strategy with a practical, Southeast Asia–leaning lens. Episodes commonly feature licensed financial planners, analysts, and executives from banks or asset managers who walk through real-world planning ideas, retirement readiness, and portfolio construction in uncertain markets. Legal and regulatory topics occasionally appear, especially around consumer credit, BNPL rules, and Islamic finance, offering listeners concrete guidance on how policy shifts affect everyday financial decisions. The conversations tend to blend actionable tips, framework-based guidance, and market color, making it useful for professionals, an informed retail audience, and anyone seeking to optim... more

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Which podcasts are similar to Ringgit and Sense?

These podcasts share a similar audience with Ringgit and Sense:

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

How many episodes of Ringgit and Sense are there?

Ringgit and Sense launched 16 years ago and published 735 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. Poovarni Rajagopal
2. Rajen Devadason
3. Wan Saifulrizal Wan Ismail
4. Alexander Wong
5. Idham Idris
6. Lim Eng Ping
7. Abdul Halim Abdul Rashid
8. Pankaj Kumar

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