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.

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.

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.

Ringgit and Sense

We explore financial themes and help you make sense of the world of finance. From setting financial goals, managing finances, investing and understanding the various issues that affect our wallets. Ringgit and Sense wants to help you understand personal risk profiles, realistic investment horizons, retirement planning, managing education loans and health insurance plans, as well as breaking down the various personal finance products that are available.

Ringgit & Sense

Closing Malaysia's EPF Savings Gap

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.

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.

Investing in an Uncertain 2H2026

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.

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.

 AI, Mega IPOs and Portfolio Construction for H2 2026

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.


Image Credit: Shutterstock

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:<ul><li>• Beyond the banks and REITs, which sectors and themes on the Singapore stock market deserve a closer look.</li></ul>• 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. Image Credit: Shutterstock

Closing Malaysia's EPF Savings Gap

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