Rajen Devadason is the CEO of corporate consultancy RD Wealth Creation, and is also a Securities Commission-licensed financial planner with Manulife Asset Management Services.

He answers some of your personal finance questions on Ringgit Ring-In:

Should I get a credit card?
Is cash the best hedge for inflation?
How to make Gen-Ys care about saving for retirement?
What to do if you have no savings after working for a year?
If you had RM500,000, what is the best way to invest?