Ringgit and Sense

With Apple’s latest iPhones pushing prices higher than ever, are monthly subscriptions and leasing plans the answer instead of paying cash upfront? Idham Idris, Director of Corporate Treasury Investment Services and Licensed Financial Planner at Wealth Vantage Advisory, joins Ringgit and Sense to break down how much it really costs when we spread out the payment of a smartphone.

Are these "phone-as-a-service" options good, bad, or complicated?

Idham unpacks how monthly pricing can trick our brains into overspending, and why financing options potentially trap us in perpetual upgrade cycles. He also breaks down what to watch for in telco bundles, how to set practical budget guardrails, and where to redirect your money once a phone is finally paid off.

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With trillions passing to heirs globally, preparing successors involves far more than transferring financial balances.

Lim Eng Ping, Maybank’s Head of Wealth Management Malaysia, and Abdul Halim Abdul Rashid, Maybank’s Head of Islamic Wealth Management Malaysia, join BFM’s Ringgit and Sense to discuss how families can successfully navigate intergenerational succession.

They unpack why instilling financial discipline, business values, and stewardship early in children is essential to long-term wealth preservation. They also detail how values-aligned Shariah-compliant solutions, including Hibah, trusts, and Zakat planning, protect family-owned businesses, align values with wealth, and prevent bitter estate disputes before life events make planning urgent.

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How should you value a stock? There are numerous ways and models to value a company, but using the wrong one can give a very misleading picture of what a business is actually worth. Pankaj C. Kumar, Managing Director of Datametrics Research and Information Centre (DARE), joins BFM’s Ringgit & Sense to break down the variety of valuation methods and explain when each is appropriate.

He dives into the P/E ratio, discounted cash flow (DCF), price-to-book price-to-sales, and EV/EBITDA, illustrating how to match specific metrics to the right industry sectors, how to evaluate analyst target prices with healthy skepticism, and when buying ETFs is smarter than picking individual stocks.

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Should individual investors avoid investing in IPOs?

With data showing that two out of three IPOs in Malaysia trade below their listing price within a year, separating genuine long-term value from short-term market hype is harder than ever.

Ng Zhu Hann, CEO of TradeView Capital, joins BFM’s Ringgit and Sense to discuss why first-day price pops and high over-subscription rates can be deceiving, and what it really takes to evaluate an initial public offering (IPO).

He reveals critical prospectus red flags to look for before placing a bid, from subtle governance warnings in Related Party Transactions to single-customer concentration risks. He also shares key metrics for assessing how listing proceeds are allocated and how investors should evaluate pre-IPO dividend payouts.

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A viral story claims a retiree allegedly blew through RM700,000 in EPF savings in just 21 days. True or false, it highlights a terrifying reality: decades of disciplined accumulation can vanish very quickly without a decumulation plan.

Stephen Yong, Licensed Financial Planner and Executive Director of Wealth Vantage Advisory, joins BFM’s Ringgit and Sense to discuss the best practices and mindsets to adopt when you finally get access to your EPF money.

He explains how sudden access to large lump-sum retirement balances can trigger a "windfall" mindset, leading to rapid capital depletion, as well as why retirees should retain core funds in the Employees Provident Fund (EPF) to leverage its historical dividend yields.

He also breaks down how to calculate retirement targets while accounting for inflation and longevity risk, and shares his 3-step checklist before you make your first EPF withdrawal.

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Malaysian employees have until August 31st to make an important financial choice: whether to remain in or opt out of PERKESO’s new 24-hour accident protection scheme, Lindung 24 Jam.

While regular SOCSO deductions cover workplace-related incidents and invalidity, this new 0.75% salary deduction (rising to 1% in 2028 and 1.25% in 2031) extends income replacement to non-work-related accidents. But if you already hold personal accident, life, or medical insurance, are you simply paying twice for the same coverage?

Licensed financial planner Ian Wong, Founder & CEO of Uno Advisers, joins BFM’s Ringgit and Sense to break down how Lindung 24 Jam bridges critical insurance loopholes, examine the RM6,000 salary capping mechanism, and provide a clear decision framework for employees evaluating whether to stay in or opt out before the deadline.

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ASEAN's affluent population is growing by 5-6% a year, with the middle class set to make up 65-70% of the region by 2030. CIMB's Haniz Nazlan joins us to break down what's driving this boom, and how wealth management is being rewritten as fortunes are built, protected, and transferred.

Click here to find out more about CIMB Private Wealth.

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At the midpoint of 2026, a fragile US-Iran ceasefire has broken down while an AI-fuelled memory chip boom has sent Korea's Kospi up 77%, and central banks are growing more cautious as inflation proves sticky. Harmander Mahal from Standard Chartered joins us to unpack what it all means for portfolios, from equities and bonds to gold and cash.

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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 workers, and stretched households trying to close the savings gap, and offers ways to boost our retirement funds.

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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 Q3 investment themes and portfolio construction strategies.

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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 the Singapore stock market deserve a closer look.

• Can Singapore small caps deliver the multi-bagger returns and what to look for when picking them.

• How Singaporean REITs stack up against Malaysian REITs

• What the new SGX-Nasdaq dual-listing arrangement, share buybacks, and MAS-backed market reforms actually mean for retail investors.

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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 Khai Yi, partners at Halim Hong & Quek, discuss new legal requirements placed on BNPL providers, shoppers, and its impact on the broader consumer finance landscape.

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Wahed's new fractional real estate product lets investors tap into Shariah-compliant property exposure with as little as RM500. We speak to Mohsin Siddiqui, CEO of Wahed, about how the product works, how it stacks up against i-REITs, and whether being Shariah-compliant comes at the cost of returns.

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RHB's top small caps for 2026 are financially stable, with bright growth prospects and resilient. Elaine Boey speaks with Alexander Chia, Head of RHB Regional Research, about how these companies are selected, what makes them stand out, and how they are navigating the headwinds in the second half of 2026.

Go to RHB's website for the RHB's 20 Jewels 2026 Report'.

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This week on Ringgit & Sense, producer Jake Lim speaks with Nur Mahfuudhzah binti Normin, licensed financial planner at Resolute Planning about Islamic financial planning - how it differs from conventional financial planning, some of the principles involved, how insurance and interest work under this framework and more.

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This week on Ringgit & Sense, producer Jake Lim speaks to Stephen Yong, licensed financial planner and Executive Director at Wealth Vantage Advisory about a certain income bracket among Malaysian - specifically the T20 group - why the classification might be broken from the outset, why individuals and households in the lower end of T20 might not be as ‘rich’ as many of us think.

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This week on Ringgit & Sense, producer Jake Lim speaks with Linnet Lee, licensed financial planner at Resolute Planning about unit trusts - what they are, what kind of investors might be interested in the profile of this investment instrument, how they differ from other instruments like ETFs, and more.

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This week on Ringgit & Sense, producer Jake Lim speaks to Kevin Neoh, licensed financial planner and Head of Financial Planning at VKA Wealth Planners about budgeting in times of economic stress - even though we aren’t technically in a recession yet, the government has advised the people to spend cautiously. They’ll be discussing how to best do this!

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This week on Ringgit & Sense, producer Jake Lim speaks to Yuvarajan Periyan, licensed financial planner and co-founder of Uno Advisers about young money in the wake of news of more younger people declaring bankruptcy in Malaysia. Jake will be asking Yuva about the allure of the ‘social media lifestyle’, why young investors might take excessive risk and more.

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This week on Ringgit & Sense, producer Jake Lim will be speaking to Datin Nor Hanifah Hashim, CEO & Head of Malaysia, Franklin Templeton about an investment asset that might be unfamiliar to some of our listeners: sukuk. They’ll be talking about what sukuk is, how they differ from regular bonds, whether it’s a good idea to have them in your portfolio, and more.

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This week on Ringgit & Sense, producer Jake Lim speaks to Yap Ming Hui, founder of Whitman Holdings - he’s also a licensed financial planner - about the profession. What makes a licensed financial planner different from the ‘wealth coaches’ and ‘investment consultants’ out there, how to tell whether they’re a good job, how much you can expect to pay, and more. Whitman was also recently listed on the LEAP Market

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This week on Ringgit & Sense, producer Jake Lim speaks to Michelle Chin, co-founder of Oyen, Malaysia’s first pet insurance company about the costs of owning a pet - especially some of the hidden costs most people might miss, like pet boarding whenever you go out of town, differences in prices vet for different breeds and even gender of pets, and of course, how much pet insurance will cost you every month.

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On Ringgit & Sense this week, producer Jake Lim speaks to Chua How Kiat, Leader for Deloitte Private Southeast Asia about family businesses- a little bit on trends in the region but more importantly they’ll be discussing what the differences are between family enterprises that thrive, and those which merely survive.

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On Ringgit & Sense this week, producer Jake Lim will be speaking to Idham Idris, Director of Corporate Treasury Investment Services at Wealth Vantage Advisory about the “post-Raya financial whiplash” - when all the unplanned spending during the festivities catches up with your wallet and bank account.

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This week on Ringgit & Sense, producer Jake Lim is joined by Ku Sim Ling - she’s better known as AuntyHR on various social media platforms - to talk about career road bumps, biggest mistakes you can make, and take a look at some case studies.

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This week on Ringgit & Sense, producer Jake Lim speaks to Hann Liew, a licensed fund manager and co-founder of Halogen Capital about whether cryptocurrencies still have a place in our portfolio amidst global volatility.

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This week, Producer Jake Lim sits down with Harvindar Singh, Managing Partner of Harvey & Associates to talk about individual tax reliefs, common mistakes that people make when filing their taxes, as well as tips for the tax season.

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On Ringgit & Sense this week, producer Jake Lim speaks to Farhana Roslan, Head of the Research Team at PNB Research Institute about wages in Malaysia - why growth has been so slow, whether it’s still worth pursuing tertiary education, and what the government and society can do to remedy this issue.

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This week on Ringgit & Sense, producer Jake Lim zooms into ‘Pig Butchering’ scams - where scammers build up trust over a long period of time with their victims - in light of recent news, and he will be joined by Yuvarajan Periyan, licensed financial planner and co-founder of Uno Advisers to talk about a case he’s seen about this.

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This week on Ringgit & Sense, producer Jake Lim speaks to  Dr. Mohaini Ahmad Basri, licensed financial planner with Wealth Vantage Advisory about his recent article commenting on the anticipated EPF dividend for 2025 - who do the high returns truly benefit, and what should younger Malaysians be thinking about in terms of passion vs income.

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This week on Ringgit & Sense, we have a very special episode waiting for you - it’s the Feng Shui edition that comes on every Lunar New Year - producer Jake Lim will be sitting down with Dr Cheng, Feng Shui Master to talk about the sectors that might do well this year according to Feng Shui principles, and which Zodiacs might need some help in the months ahead.

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This week on Ringgit & Sense, producer Jake Lim is joined by Ian Wong, Founder & CEO of Uno Advisers - he’s also a licensed financial planner - they’ll be talking about financial mistakes that you DON’T want to make in 2026. Spoiler - the chat will involve overspending during CNY, and paying too much for medical insurance.

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This week on Ringgit & Sense, love is in the air - producer Jake Lim sits down with Linnet Lee, licensed financial planner at Resolute Planning to talk about how much you should spend on Valentine’s Day, the ‘money talk’ that couples should have, and there’s even two case studies where couples are having difficulties with in terms of finances.

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This week on Ringgit & Sense, Jake Lim will be talking about the implementation of the Retirement Income Adequacy or RIA framework by EPF. He’ll be asking Rajen Devadason, licensed financial planner with Manulife Investment Management (Malaysia) Bhd whether the saving thresholds under the framework is actually achievable, what you can do on the income and spending side to try to reach this benchmark, and more.

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This week on Ringgit & Sense, producer Jake Lim sits down with Kevin Neoh, licensed financial planner with VKA Wealth Planners to talk about new year resolutions concerning personal finance. Jake will be asking Kevin why some people seem to lose steam at some point during the year, how to stick to your money goals, and more through a series of case studies.

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This week on Ringgit & Sense, producer Jake Lim speaks with Terence Ng, Associate Director of Equities, AIIMAN Asset Management which is a subsidiary of AHAM Capital about how to pick stocks, the mindset investors might be trapped in, how to overcome the fear of missing out, and more.

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This week on Ringgit & Sense, producer Jake Lim is joined by Felix Neoh, Director of Financial Planning at Finwealth Management to answer some of the questions about credit cards that were sent in by our listeners. These include “when am I ready for a credit card”, “can you ask your bank to forgive late payment fees”, and more.

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This week on Ringgit & Sense, producer Jake Lim is joined by Kimberly Law, co-founder and licensed financial planner at Uno Advisers. And since it’s job hunting season for fresh grads, they’ll be talking about what to do, and maybe more importantly what NOT to do with your first paycheck.

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Chua Kim Soon, CEO of the General Insurance Association of Malaysia addresses something that’s very timely - insurance for homes against disasters. He discusses the types of protection available, differences for strata owners, vehicle insurance against floods and of course, the costs involved.

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Chee Pei Pei, Tax Partner and Private Leader at Deloitte Malaysia talks about findings from Deloitte’s recent report on family businesses, as well as how family businesses can have longevity, retain talent, and maintain wealth beyond 3 generations.

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Chee Pei Pei, Tax Partner and Private Leader at Deloitte Malaysia talks about findings from Deloitte’s recent report on family businesses, as well as how family businesses can have longevity, retain talent, and maintain wealth beyond 3 generations.

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The latest figures from the Department of Statistics for headline inflation is seemingly quite low at 2.1% in September - and yet, many are still feeling the squeeze from the rising cost of living. Why is that the case and how can we better manage our finances to combat this? Producer Jake Lim will be finding out from Dr. Mohaini Ahmad Basri, licensed financial planner at Wealth Vantage Advisory.

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Author and financial coach Rumi Yeo talks about his book ‘How Your Mind Thinks About Money’. The book breaks down the mindsets that we have about personal finance and how we can reshape our relationship with money.

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This week on Ringgit & Sense, producer Jake Lim is joined by Yuvarajan Periyan, licensed financial planner at Uno Advisers Sdn. Bhd. to talk about the Consumer Credit Bill, which Deputy Finance Minister Lim Hui Ying says will be gazetted by the end of the year.

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This week on Ringgit & Sense, producer Jake Lim sits down with See Toh Wai Yu, CEO of Central Force Malaysia, a company that specializes in market research. They’ll be going through some interesting findings from Central Force’s Malaysia Consumer Trend Report 2025, like how almost half the respondents would go online to buy a product afterseeing it in a brick and mortar store.

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When it comes to legacy planning, many people perceive it to be as simple as writing a will. And while that can be true in some cases, it really is about ensuring wealth is preserved, transferred smoothly, and aligned with the values families want to pass on. For this conversation, Lim Eng Ping, Head of Wealth Management Malaysia, and Norfazlina Mohd Ghouse, CEO, Maybank Trustees Berhad talks about the costs, importance of communication, the role of professionals in the process, and more.

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This week on Ringgit & Sense, Jake Lim sits down with Thanneermalai Somasundaram, Managing Director of Thannees Tax Consulting Services to talk about the individual tax reliefs available under Budget 2026, as well as other goodies for the rakyat.

Brought to you by Mah Sing. Reinvent Spaces. Enhance Life

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Producer Jake Lim is joined by Siew Yuen Tuck, co-founder of Ringgitplus to discuss some findings from the Ringgitplus Financial Literacy Survey that was just released recently, most notably Gen Z saved up more compared to the other Gens this year.

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This week on Ringgit & Sense, producer Jake Lim speaks with Rajen Devadason, a Securities Commission licensed financial planner with Manulife Investment Management (Malaysia) Bhd, CEO of consulting company RD Wealth Creation Sdn Bhd and a columnist who writes personal finance pieces for the New Sunday Times. They’ll be discussing the scarcity and abundance mindsets, how much emergency funds you need both as an employee and self employed person, why cash is so important in your investment portfolio, and more.

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This week on Ringgit & Sense, producer Jake Lim will be joined by Julia Goh, Senior Economist at UOB to talk about Budget 2026. He’ll be asking her why it’s so important to pay attention to the Budget, as well as her thoughts on the RON95 subsidy rationalization

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This week on Ringgit & Sense, Jake Lim sits down with Qin, a senior manager in the beauty industry and Annie Hor, Financial Advisor, Harveston Capital. They’ll be finding out how Qin ended up with over 30 thousand ringgit in credit card debt, what some effective repayment strategies are, and how he can avoid relapsing again.

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This week on Ringgit & Sense, Jake Lim continues his conversation with Idham Idris, Director of Corporate Treasury Investment Services at Wealth Vantage Advisory on financial goals in your 40s and 50s. What kind of shift in mindset should you be having here as you inch ever closer to retirement?

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This week on Ringgit & Sense, producer Jake Lim talks to Idham Idris, Director of Corporate Treasury Investment Services at Wealth Vantage Advisory about financial goals in different stages of your life in the first episode of a two part special. This time they’re discussing what people in their 20s and 30s should be doing to secure the foundations of their financial health.

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This week on Ringgit & Sense, producer Jake Lim speaks with Dr Song Bee Lian, Associate Professor, School of Management and Business, MILA University to talk about consumer behavior in Malaysia, including BNPL usage, what marketing tactics are most effective on Malaysian shoppers, how instant gratification can negatively affect you, and more.

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This week on Ringgit & Sense, producer Jake Lim will be having a chat with Fazrul Farouk, licensed financial planner with I-Max Financial on the proposed monthly withdrawals from EPF for retirees - is this scheme better than the old lump-sum withdrawal?

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This week on Ringgit & Sense, producer Jake Lim will be having a chat with Fung Mei Lin, Private Business Leader, PwC Malaysia about family offices in Malaysia - why it can be beneficial for high net worth families, what to consider when setting one up, the incentives offered by our government, and more.

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This week on Ringgit & Sense, producer Jake Lim speaks to Linnet Lee, a licensed financial planner on some aspects of retirement that’s not often talked about - the psychological and emotional difficulties that some people might face after they step away from full-time work.

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This week on Ringgit & Sense, producer Jake Lim sits down with Chee Minh, a freelance photographer who’s been in the industry for 16 years to talk about the money aspect of being a full time gig worker - whether you can sustain yourself by just doing gig work, the importance of discipline required, and should you try regular employment first before diving into being a freelancer?

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This week on Ringgit & Sense, producer Jake Lim is joined by Khairi Shahrin Arief Baki, Deputy CEO at CGS International to talk about the variety of asset classes that are available to Malaysian investors, and what strategies should consider when making your choices, whether as a first-time or veteran investor.

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This week on Ringgit & Sense, producer Jake Lim is joined by Felix Neoh, Director of Financial Planning at Finwealth Management to talk about the OPR - what it is, why Bank Negara decided to cut it by 25 basis points last week, and how it will affect your finances.

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This week on Ringgit & Sense, producer Jake Lim sits down with Siew Yuen Tuck, CEO of Ringgitplus to talk about the RinggitPlus Malaysian Financial Literacy Survey 2024 which was published last year, and his observations on the findings since then.

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This week on Ringgit & Sense, producer Jake Lim sits down with Alvin Tan, President of the Financial Planning Association of Malaysia (FPAM) to talk about aspects of personal finance that Malaysian Gen Zers find the most challenging, and how that gap can be bridged.

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On Ringgit & Sense this week, producer Jake Lim sits down with Thanneermalai Somasundaram, Managing Director, Thannees Tax Consulting Services, and Dr Afzanizam Abdul Rashid, Chief Economist, Bank Muamalat in a two-parter episode on the potential impact of the expansion of the Sales and Service tax.

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This week on Ringgit & Sense, producer Jake Lim is joined by Yuvarajan Periyan, licensed financial planner with Uno Adviser’s Sdn. Bhd in revisiting the age old question, “Should you buy or rent a home?”. They’ll be discussing whether it’s tougher nowadays for Malaysians to purchase property, what it takes to successfully get a housing loan, the hidden costs involved, and more.

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This week, producer Jake Lim asks the question: “Should we be investing in gold?”, because the precious metal’s price has gone up about 26% year-to-date, and has attempted to break its all-time high price twice this year. For this conversation, he will be speaking to Robin Lee, former CFO of the World Gold Council, as well as the former CEO of HelloGold, which ceased operations in 2023.

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This week on Ringgit & Sense, producer Jake Lim will be joined by Stephen Yong, Executive Director at Wealth Vantage Advisory to discuss how you and I can achieve financial independence, and whether the much-talked-about FIRE method is a realistic way to do it.

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This week on Ringgit & Sense, producer Jake Lim is joined by Ngan Teng Chee, Executive Director of SP Investment Management Sdn Bhd, a licensed fund manager regulated by the Securities Commission to discuss asset allocation and portfolio rebalancing. Why these exercises matter, how often to do them, and how local investors can think about diversifying across asset classes.

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This week on Ringgit & Sense, producer Jake Lim talks to Jack Lin, CEO of Axen Alpha Advisory about the different financial planning certifications available in Malaysia, what individuals have to do to become a licensed financial planner, how to spot red flags when speaking to one, as well as how to file a complaint when a financial planner isn’t acting in your best interest.

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This week on Ringgit & Sense, producer Jake Lim is joined by Kimberly Law, licensed financial planner and co-founder of Uno Advisers to talk about FOMO, specifically of the financial variety. This is when you see a friend with the latest smartphone, for example, and now you feel tempted to get one. Just how bad can this be for your bank balance?

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Producer Jake Lim sits down with Dr. Paul Anthony, Senior Lecturer II, Faculty of Business & Law, Taylor’s University this week on Ringgit & Sense to get a low-down on tariffs - why governments implement them, how free trade agreements fit in the picture, how they affect consumers as well as businesses.

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On Ringgit & Sense this week, we take a closer look at the aftermath of the Putra Heights explosion.

Producer Jake Lim speaks with Dr Joshua Netto, Director of Blue Stone Management on the damage to properties and infrastructure, and Gor Sheau Shuenn, Head of Financial Planning at Alpine Advisory shares insights on insurance coverage and how victims can begin the claims process.

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This week producer Jake Lim will be joined by Jennifer Chua, licensed Financial Advisor at UOB Kay Hian in discussing what’s involved in planning for your parents’ aged care.

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This week, producer Jake Lim sits down with Linnet Lee, Director at Resolute Planning to talk about planning for your own aged care - firstly because more and more people are choosing to be childless nowadays, subverting the Asian trope of “my children will take care of me”, and even for people who dohave children, they might not be able to take care of you when you’re in your golden years.

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It is once again tax season - has been for a while - which is why producer Jake Lim will be sitting down with Poovarni Rajagopal, Founder and Tax Partner at Invatex Consulting to remind everyone the tax reliefs available as well as talk about some common questions about tax filing.

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This week on Ringgit & Sense, producer Jake Lim continues the thread he started last week by discussing how much it costs to raise a primary school-aged child with Annie Hor, a qualified financial advisor at Harveston Capital. Do tune in to find out some of the costs of rasing a child that you might not have thought about.

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This week on Ringgit & Sense, producer Jake Lim is joined by Wei Zhi, a financial coach, social media influencer and mother of a 7 year old to talk about the expenses associated with childbirth, as well as the costs of raising a young child.

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This week on Ringgit & Sense, producer Jake Lim talks to Shing Yee Ling, licensed financial planner at VKA Wealth Planners about the retirement gap between men and women, in conjunction with International Women’s Day happening this Saturday. They’ll unpack some of the reasons behind why this disparity exists, and what the ladies out there can do to secure their financial future.

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On Ringgit & Sense this week, producer Jake Lim will be joined by Jon Ng, founder & CEO of DearTime, a local insurance company to talk about whether you should leave your cushy, high-paying office job to start your own business.

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In this episode, Ocean Pon, licensed financial planner talks about what the best ways are to grow your kids angpao money and Ng Pui Yee, founder of Little Tauke, a financial literacy program for kids, discusses how to get your child to engage with financial literacy topics.

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To go beyond the usual mutual funds or unit trusts in your investment mix, there is always an option of a relatively new investment product in Malaysia, Exchange Traded Funds (ETF). We speak to a financial observer, Julian Ng, for a lesson in ETF 101.

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Manulife Asset Management recently issued a reportthat introduces its Retirement Preparedness Indicator, which highlights the financial and economic conditions influencing the ability of individual economies to provision for their aging populations.

We delve into how prepared Malaysians are when it comes to retirement in comparison to other countries in the region.

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We sit down with iMoney founder Lee Ching Wei, to go back to basics about choosing the right credit card.

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We usually leave retirement planning up til the very last minute. Could we ever be too old to start planning for retirement? We speak to Anthony Ang of the Malaysian Financial Planners’ Council to find out.

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April is still far away and although we have plenty of time before we start filing our tax returns, it is always good to be armed with information beforehand. So on the topic of Zakat, we find out a bit more from Anuar Shuib representing the Malaysian Financial Planning Council, about the purpose of paying Zakat and the tax rebates that Muslims can get towards paying Zakat.

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Joyce Chuah and Lee Mun Wai from Success Concepts join us again this time to speak about the telltale signs of a Ponzi scheme and what you can do to safeguard your money.

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Michael Reyes, CEO of Moneytree, speaks about starting good financial habits from young and the importance of entrepreneurship education.

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In our final series, Ng Chze How, Director of Retail and Retirement Funds from AmInvest talks to us about PRS vs The World.

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Ng Chze How, Director of Retail and Retirement Funds from AmInvest, join us for a three part series to discuss schemes that can help you plan better for your retirement. In this second edition, we ask him, “What is PRS?”

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Ng Chze How, Director of Retail and Retirement Funds from AmInvest, join us for a three part series to discuss schemes that can help you plan better for your retirement. In this introductory edition, we dwell into the question of: Are you saving enough for your retirement?

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We speak with Rockwills Group Managing Director Mr Saw Leong Aun as well as Senior General Manager Azhar Iskandar to get a better understanding on the crucial role of the administrator in an estate.

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We go over with Thanneermalai Somasundaram from Chartered Tax Institute of Malaysia what impact the Budget will have on the average Joe.

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Jared Lim, Managing Director of Loanstreet, talks about what you need to consider when shopping for loans.

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Joyce Chua and Lee Mun Wai from Success Concepts discuss how debt can put money in your pockets and how it can actually be good for you.

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Yap Ming Hui, an independent financial advisor, discusses our pursuit to move beyond being middle income, whereby many of us attempt to increase our wealth forgetting the need to be financially free first.

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Akiko, from Japan, was hired 13 years ago to teach Japanese at a language centre in KL. Now she has made an offer to buy the centre from the owner. But to take that step, she first sought a financial planner to get her personal finances in order.

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Little by little a financial mountain to stand on when guided by a financial planner to get to the top.

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Getting into credit card debt is not the end of the world. Counseling, friends and financial planners can hand-hold the debtor out of debt.

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In an ageing world, countries with younger workers celebrate their young in limbs. To be young is to be vital. To be able to walk with a spring in your step. But are there concerns when the country's young professionals are not terribly financially literate?

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Finding investable income to growing your net worth multifold when you’re a young professional on a tight budget.

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