Ringgit and Sense has always been a believer of passive, low-cost, long-term investments. However, this week we kick off conversations with Bursa to see what is in store for the investor who like a little activity in their investing - a process that needs great understanding of risk.

We speak with Chong Kim Seng, CEO of Bursa Malaysia Derivatives on how commodities like crude palm oil can feature in the asset allocation process. It is also a test of our very understanding of our own risk appetite for borrowing to invest.

Plus: world personal finance news and money tip-of-the-day.