Ringgit and Sense

Épisodes

• Are T20s As Rich As We Think? 27.05.2026 20min

  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.See omnystudio.com/listener for privacy information.
• Unit Trust: Why You Might Prefer It Over ETFs 20.05.2026 20min

  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.Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• Economic Crisis: How Can We Budget For It? 13.05.2026 21min

  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!Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• Is Social Media Hurting the Finances of Young Malaysians? 06.05.2026 20min

  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.Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• Sukuk: Should You Have It In Your Portfolio? 29.04.2026 20min

  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.Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• Licensed Financial Planners: What Do They Do, Really? 22.04.2026 21min

  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 MarketImage Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• How Much Do Pets Really Cost? 15.04.2026 22min

  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.Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• What Makes Or Breaks Family Businesses? 08.04.2026 17min

  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.Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.
• Bouncing Back From Raya Spending 01.04.2026 21min

  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.See omnystudio.com/listener for privacy information.
• Career Mistakes That Will Cost You 25.03.2026 21min

  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.See omnystudio.com/listener for privacy information.
• Should You Buy Crypto In These Volatile Times? 18.03.2026 20min

  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.See omnystudio.com/listener for privacy information.
• Tax Tips And Individual Reliefs YA2025 11.03.2026 21min

  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.See omnystudio.com/listener for privacy information.
• Why Is Wage Growth So Slow In Malaysia? 04.03.2026 21min

  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.See omnystudio.com/listener for privacy information.
• Pig-Butchering Scams: How to Identify & Avoid 25.02.2026 18min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.
• Does High EPF Dividend Equate to Secure Retirement? 18.02.2026 18min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.
• Ringgit And Sense 2026 CNY Special 11.02.2026 18min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.
• Financial Mistakes to Avoid in 2026 04.02.2026 18min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.
• How Much Should You Spend for Valentine's? 28.01.2026 18min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.
• RIA Framework: Realistic And Achievable? 21.01.2026 21min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.
• 2026 New Year's Resolution For Your Finances 14.01.2026 20min

  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.Image Credit: Shutterstock.comSee omnystudio.com/listener for privacy information.