Ringgit and Sense

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 is a news podcast hosted by Unknown Host, with 724 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Ringgit and Sense, a news show with 724 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Ringgit and Sense

  Is IPO Investing Worth It? Red Flags to Watch

  Aug 19, 202622 min

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

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  Ringgit and Sense

  Spending EPF Money: Dos and Don'ts In Retirement

  Aug 12, 202621 min

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

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  Ringgit and Sense

  PERKESO’s Lindung 24: Should You Opt Out?

  Aug 5, 202620 min

  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. See omnystudio.com/listener for privacy information.

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  Ringgit and Sense

  Wealth Management for ASEAN's Rising Affluent

  Jul 29, 202620 min

  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. See omnystudio.com/listener for privacy information.

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  Ringgit and Sense

  Investing in an Uncertain 2H2026

  Jul 22, 202620 min

  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. See omnystudio.com/listener for privacy information.

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