Should Tax Reliefs Change Your Spending Habits?

Tax reliefs are like a sale: a discount only saves you money if you actually needed the item in the first place. Licensed Financial Planner Rafiq Hidayat, Managing Director of WealthVantage Advisory, breaks down which reliefs act as true "free money" versus those that trigger unnecessary extra spen…

Budget 2027 Taxes: What Can You Claim & Save?

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 financial decision. Poovarni Rajagopal, Tax Partner…

High Interest vs Small Loans: Which Debt To Kill First?

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, CEO of RD WealthCreation and Licensed Financial Pl…

Good Debt vs Bad Debt: Is It Really That Simple?

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 Manulife Investment Management (Malaysia), joins Rin…

Retirement Risks: Longevity, Health Costs, & Capital

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 discuss why Malaysians need to look beyond capital a…

New iPhones, Price Hikes: Is Upgrading Actually Worth It?

As new iPhones hit stores tomorrow, it’s clear that smartphones are getting more expensive. So how should we navigate this as buyers? Alexander Wong, Managing Editor of SoyaCincau, joins Ringgit and Sense to unpack what your money actually buys across today's higher price tiers and where he believe…

iPhones Are Expensive. Should You Subscribe Instead?

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 b…

How Will Your Wealth Be Passed to the Next Gen?

With trillions passing to heirs globally and an estimated RM90 billion in undistributed inherited assets across Malaysia, 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 I…

P/E, DCF, or Price to Sales: How Should You Value Stocks?

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…

Is IPO Investing Worth It? Red Flags to Watch

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 Ringg…