BT Money Hacks: Recent Episodes
The Business Times
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful personal financial tips with expert guests.
Podcaster: Howie Lim
Produced by The Business Times, SPH Media Trust.
Your cash isn't safe just because it's sitting still — it's quietly losing to inflation while you wait for "the right time" to invest. Howie Lim gets StashAway's chief investment officer (CIO) Stephanie Leung to explain why the mass affluent get the worst of both worlds, why gold just earned a permanent seat in your portfolio, and why timing the market is a fool's errand professionals gave up on long ago. Stop parking your future. Start compounding it.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:03 The underserved mass affluent
03:24 Real world cost of idle cash
07:33 Rethinking the 60/40 portfolio
11:31 Singapore’s cash obsession
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Stephanie Leung, chief investment officer, StashAway
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
We obsess over what to buy, but when it’s time to sell—or hold—we often freeze. Market volatility shouldn't trigger a panic-induced sell-off, yet emotion frequently overrides strategy. In this episode of Money Hacks, Howie Lim, Ritesh Ganeriwal, and Kenneth Chan dissect the crucial "portfolio check-in."
Learn how to filter signal from noise, why "doing nothing" is a strategic superpower, and exactly when your original plan needs a tune-up. Stop guessing and start managing.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:00 Mastering the when as well as what
05:33 How to know when our portfolio needs a tune up
09:42 When doing nothing is ok
12:44 The sign your original plan needs an overhaul
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ritesh Ganeriwal, head of investment advisory at Syfe and Kenneth Chan, associate financial planner at PhillipCapital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Speed is everything in investing—but is it actually the enemy of wealth? We’re conditioned to trust human advisors, but what if your portfolio manager, tax expert, and risk officer was a cold, calculating AI?
Howie Lim speaks with 8FIGURES founder Andrew Izyumov to ask: can AI truly cure emotional trading habits, or is it just an "artificial sycophant"? Should we let an algorithm manage your future?
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:04 The trust gap
04:01 The incentive trap
08:43 When AI agents disagree
11:28 AI calms investors?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Andrew Izyumov, founder of 8FIGURES
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Retrenchment isn't just a career setback; it's a financial and psychological earthquake. Howie Lim speaks with clinical psychologist Dr Annabelle Chow about navigating the initial shock. What is the single biggest financial mistake most make in the first 48 hours and how to stop panic from driving your decisions?
From mastering the "3-bucket" survival strategy to separating your identity from your paycheck, and moving from fear to clarity. Don’t let uncertainty manage your future. Reclaim your financial agency—because while jobs go, your security shouldn't.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:06 The #1 financial mistake after job loss
05:01 Untouchable when money's tight
07:50 Separating identity from paycheck
11:19 Pivoting careers without panic-driven decisions
13:32 The 3-bucket approach to surviving a layoff
19:30 One small financial win to regain control
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Dr Annabelle Chow, clinical psychologist, Annabelle Psychology
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Sudden windfall? Congratulations — now don't screw it up. Let’s tackle the messy reality of instant wealth: the 30-day rule before making any big moves, why "generous relative energy" can drain your fortune fast, and the emotional identity crisis nobody warns you about.
RBC's Gautam Chadda breaks down guilt-free spending, family giving frameworks, and staying rich long after the confetti settles.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:49 Doing nothing: the smartest move
05:15 Net worth vs. self-worth
09:55 The boring paperwork that protects
13:19 Guilt-free spending: budget for fun
18:27 Money will test a marriage
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Gautam Chadda, executive director, RBC Wealth Management Asia
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Markets crash. Portfolios bleed red. And your gut screams "sell everything." But what if the scariest moment in investing is also the most dangerous time to trust your instincts?
Howie Lim sits down with Grace Tay from finexis advisory to find out why panic selling turns temporary losses permanent, why "get-evenitis" wrecks recoveries, and how one simple framework — reframe, reset, reenter — can turn your worst market moment into your smartest move yet.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:57 Sharp crashes vs. slow grinds
04:04 How often do markets actually crash?
07:34 ‘Get-evenitis’
10:31 The framework for beating fear
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Grace Tay, associate director, finexis advisory
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is your financial plan truly resilient, or are you one emergency away from disaster? 61% of households struggle to cope beyond six months after a loss of income. Howie Lim sits down with Sun Life Asia’s David Broom to dismantle the myth that resilience equals a high salary.
Is Singapore’s “safe haven” status creating a false sense of security? And how to stop trading your long-term future for short-term survival. Discover the habits that separate the resilient from those in survival mode.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:12 Why 6 months may not be enough anymore
08:31 The most dangerous thing to do
11:11 Singapore’s false sense of security?
13:51 When, where and how to start
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With David Broom, chief client and distribution officer, Sun Life Asia
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
You think investing is complicated? That's exactly the problem. What if you could start with $10 with no need to wait for the "right time"? Many entities are quietly embedding finance into everything you already do, and the best investment app feature isn't a chart — it's a well-placed "Are you sure?" Whether you're a first-timer or a seasoned portfolio juggler, this one will change how you think about where your idle money is sleeping.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:36 Analysis paralysis: the real reason people don't invest
04:36 No lock-ins, no surprises: the transparency play
08:45 Are digital wealth platforms for the savvy investor?
13:02 Intentional friction in a fast-finger world
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jenn Ong, group head of retail at GXS Bank
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Your "ETF and chill" strategy just got a reality check. Halfway through 2026, the S&P 500 is no longer the only game in town — and the smartest investors are quietly restructuring. Chips, crypto, Singapore blue chips, UCITS ETFs — what's hype and what's genuinely worth owning? Oriano Lizza from CMC Markets and Ritesh Ganeriwal from Syfe cut through the noise. Less FOMO, more discipline. This is your mid-year portfolio wake-up call.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:11 Is it time to look beyond US stocks?
04:22 Hot sectors: smart bet or expensive FOMO?
07:57 What is driving the trading surge?
10:17 What a truly resilient portfolio looks like
13:19 Don’t make these mistakes in H2
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ritesh Ganeriwal, managing director and head of investment advisory at Syfe and Oriano Lizza, sales trader at CMC Markets
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Your credit score impacts everything. Experts from Credit Bureau Singapore and MoneyHero Group bust the biggest myths, from "clean" profiles to unused cards. Are you managing your financial reputation correctly?
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:23 Top credit score myths
05:13 Why NOT having a credit score hurts
07:01 How to build credit without going into debt
09:20 How often should we pull our credit scores?
14:35 Review to reporting framework to note
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Wong Sok Quan, head of consumer services, Credit Bureau Singapore and Ayush Goyal, country manager Singapore, MoneyHero Group
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is your emergency fund ready for the real financial crisis: stacked, non-stop inflation? A budget is not enough. The rising cost of living demands a new kind of preparation. We dismantle the "inflation illusion" and reveal the critical difference between looking financially stable and being genuinely, liquidly prepared.
Are there specific cash structures you need to survive volatility without panic? Howie Lim finds out from Walter de Oude, founder and CEO of Chocolate Finance.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:38 Building a cash buffer
06:31 How much cash to hold
11:14 Optimising returns safely
14:08 Breaking money inertia
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Walter de Oude, founder and CEO, Chocolate Finance
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Are you missing out on serious returns? With a massive $12 trillion sitting in money markets, it's time to look at fixed income again. But success in this market depends on knowing which bonds to buy. Join Howie Lim, Erik Keller from Robeco and Kylie Soh of Fullerton Fund Management as they cut through the noise.
They'll reveal where the true opportunities lie, demystify the risks of high-yield bonds, and share strategies for building a resilient portfolio in today's unpredictable interest rate environment. Don't let caution keep your money parked in cash.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:16 Attractive fixed income and the case for bonds
04:14 Not all bond strategies are equal
10:17 Not all high yield is risky
12:27 The overlooked edge
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Kylie Soh, client portfolio manager and managing director, Fullerton Fund Management; and Erik Keller, client portfolio manager, Robeco
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
The high-yield trade is fracturing. As higher-for-longer rates lift banks' fortunes, Reits face a triple threat: narrowing yield spreads, soaring debt costs, and depressed valuations. Is your income portfolio resilient? Howie Lim speaks to RHB experts to discuss this growing divergence, revealing the crucial metrics (beyond yield) and tactical moves you need now to navigate uncertainty and secure superior returns.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:02 Reits' triple threat: how rising rates hit
03:56 What higher for longer means for both
06:02 Banks as a proxy for economic growth
12:51 Divergence is cyclical
16:25 Defensive Reits and sub-sectors
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Vijay Natarajan, research analyst and Shekhar Jaiswal, head of equity research, RHB Bank
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is "buying the dip" dead? The market is volatile, interest rates are up, and the old rules are breaking. Don't be fooled by a flash sale that's actually a fundamental flaw. What are systematic, disciplined strategies for spotting a true bargain—or a bottomless pit? Howie Lim finds out from the experts.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:09 Temporary dip or fundamental reset
04:16 Higher-rate, higher-volatility
09:14 Signals to look out for
13:42 High concentration amplifies risk
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Hugh Chung, chief investment officer, Endowus; and Yee Shen Hao, portfolio manager, PhillipCapital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Your CPF Special Account (SA) has been your financial security blanket for decades — a rock-solid 4 per cent return, no questions asked. But Singapore's about to shake things up. By 2028, a new life-cycle portfolio scheme changes the game. Is it a long-overdue upgrade or a risk not worth taking? Howie Lim finds out from Christopher Tan, CEO of Providend and Genevieve Cua, wealth editor of The Business Times.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:17 Leave SA out of the new scheme
05:23 Willingness to take risk is the key
07:48 Where CPF Investment Scheme (CPFIS) fits in
14:03 Who it is really for
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Genevieve Cua, wealth editor, The Business Times & Christopher Tan, CEO, Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
As AI takes the wheel in wealth management, will your 'perfect' financial plan survive a market crash? Algorithms crunch numbers, but only a human can manage emotions. Join Howie Lim and Javelin Wealth's Polka Mishra as they dissect the friction between AI's efficiency and the indispensable, empathetic role of the human advisor. Find out who’s truly in the driver's seat of your financial future.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:10 AI sits in the engine room, not driver's seat
06:51 The one thing AI can never replace
10:41 The regulatory minefield
14:43 The evolving role of the human adviser
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Polka Mishra, partner, Javelin Wealth Management
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Ever wondered if owning Mona Lisa's eyeball is smarter than buying a whole share? Forget high prices! Fractional investing lets you grab a slice of giants like Tesla and Amazon. Howie Lim gets the experts to demystify liquidity, costs, and security. Precision diversification without the huge upfront cost—find out how to build serious wealth, one fraction at a time.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:05 Myth vs. reality of fractional investing
03:39 The democratisation advantage
06:59 The power of bundling
10:09 Precision diversification
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jeremy Foo, country manager, StashAway Singapore and Jack Prickett, chief commercial officer, Syfe
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
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Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
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Money moves are changing. Young investors chase crypto volatility while retirement nest eggs look obsolete. Perhaps financial security needs to be redefined - from saving a million to mastering the skill of making money. Howie Lim gets some financial survival tips from Zachary Young from Atlantis Labs.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:00 The financial reality for young investors
02:44 The most dangerous flawed assumption
07:45 The "winning is upsetting" paradox
11:33 Nest egg obsolete! Financial security redefined
14:24 The 1-hour-a-week rule
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Zachary Young, founder of Atlantis Labs and CEO of CryptoKnight Academy
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
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Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
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Is passive investing a Trojan horse? Index funds, once the safest bet, now harbour extreme concentration risk, leaving investors vulnerable in volatile markets. Discover why active ETFs are the essential upgrade. Unlearn the "comfort" of index tracking and gain the adaptability to chase alpha. Howie Lim explores the future of ETFs with the experts.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:37 Passive investing's concentration risk
03:52 comparative advantages of active ETF strategies
07:11 Paying for adaptability, not just performance
08:30 Unlearning the false comfort of index tracking
11:50 Pitfalls of active strategies
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Charu Chanana, chief investment strategist, Saxo Bank and Darrin Ng, assistant manager, dealing, global markets desk, Phillip Securities
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Feeling the job switch itch? Don't resign yet! The market is cautious, but salary bumps of up to 15 per cent are real. Hear legal experts on contract risks, from clawbacks to non-compete clauses. Howie Lim gets the fine art of negotiation—what to ask for, and when to start—to protect your career and maximise your next move.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:55 The state of play - job hugging
03:13 Job hopping: red flag or pay bump strategy?
04:49 Termination terms, the 'prenup for work'
10:28 The enforceability of the non-compete
19:28 What to do when the job scope creeps after you've joined
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Amarjit Kaur, partner, Withers Khattarwong; and Anurag Garg, country lead, Michael Page Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is your portfolio trapped by comfort? Familiarity masks hidden risks, turning winners into dangerous concentrations. Discover the subtle signs of shared risk drivers—beyond sector labels—and learn measured, panic-free strategies to trim concentrated positions. Stop chasing the herd. Howie Lim gets true diversification tools from the experts.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:06 Subtle indicators revealing correlations
04:50 Temporary rotation or fundamental shift?
08:23 Common, yet often overlooked, behavioural biases
11:54 How to reduce concentration safely
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daphne Tan, director of business development, CMC Markets Singapore and Ritesh Ganeriwal, head of investment advisory, Syfe
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Technology alpha: myth or opportunity? Can tech fortunes be found in adoption and R&D? Apparently, author Igor Pejic thinks so. Howie Lim gets him to decode Big Tech risk, spot the real game-changers from the hype, and navigate the volatile waves of AI, geopolitics, and regulation.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:22 Technology alpha and outsized tech-driven returns
05:53 Non-financial markers of good investments
08:16 Geopolitical and regulatory pressure
10:48 Why 'Tier 2' enabler tech
18:06 Anticipating the 'convergence' of tech
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Igor Pejic, author of Tech Money
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Singapore’s economic growth forecast is tougher. How do national priorities—from AI to advanced manufacturing—actually translate into winning investment strategies for you? Howie Lim gets advice from experts Daryl Liew from PhillipCapital and Cheng Chye Hsern from Providend on balancing policy-driven potential with global diversification.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:05 Key investment themes for retail investors
04:43 Why listed options are limited
08:11 What GDP growth entails
12:37 Risks of policy-driven investment
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daryl Liew, chief investment officer and head of investment solutions, PhillipCapital; and Cheng Chye Hsern, chief investment officer, Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
The SME dream is built on hustle, but what if your retirement plan hinges on a highly speculative sale? Stop gambling on perfect timing. Howie Lim speaks to Grace Tay of finexis to uncover the true surplus after "oxygen" and "risk," dissecting the firewall between business and personal wealth. Learn how to structure your enterprise for a passive paycheck—because succession isn't selling, it's surviving gracefully.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:34 The true surplus: free cash flow after 'oxygen,' risk, and growth budgets
06:12 Wealth preservation vs. high returns: sacrificing liquidity for stability
11:09 Succession is not a sale
15:22 The price of pride: enforcing a hard cap on personal injections
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Grace Tay, associate director, finexis advisory
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Be wary of the seductive danger of leverage investing. The competitive reality is, most lose everything but there are things you can do - like the portfolio pyramid - which can help you navigate this high risk move. Howie Lim gets advice from the experts.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
This episode is sponsored by OCBC Securities.
Highlights:
01:30 Broker custody & choosing a brokerage
03:46 Misconceptions, margin rules & consolidating assets
06:00 Leverage ratios & cash buffers
08:40 Market timing & holding too much cash?
11:23 Rates, income stocks & tech tools
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Trading in capital markets products and borrowing to finance transactions can be very risky, and you may lose all or more than the amount invested or deposited. Please seek advice from an independent financial adviser before committing to a trade or purchase. Regardless, you should always carefully consider the suitability of the product and any trading decision. The information provided does not consider your investment objectives, financial situation, and particular needs. For any graph, chart, formula or device, there may be limitations and difficulties in its use. Any reference to a company, financial product, asset class or figures is for illustration purposes only. For any historical information, past performance is not necessarily indicative of future performance. OCBC Securities Private Limited (“OCBC Securities”) makes no representations or warranties (including as to the accuracy, timeliness or adequacy) in respect of any information provided herein and it should not be relied upon as such. Any information provided should not be construed as personal trading recommendations or financial advisory from OCBC Securities. OCBC Securities is not responsible for any loss howsoever arising, directly or indirectly, as a result of any person acting on any information provided.
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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ben Paul, senior correspondent, The Business Times and David Kuo, co-founder, The Smart Investor
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
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Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is the "fixed" in fixed income now a fallacy? As the Year of the Horse trots in, we’re hunting for genuine yield. Forget outdated Singapore Savings Bonds (SSBs) and duration fears. Howie Lim dissects credit risk, the AI capex bubble, and the one thing retail bond investors miss with Goh Rong Ren from Eastsping Investments.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:53 AI capex boom: tailwinds for growth
04:31 Warning signal: credit spreads are rich
07:22 Evolving role of SSBs
09:35 Fixed income misconceptions
11:17 Why 'junk bonds' should not be ignored
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Goh Rong Ren, portfolio manager, Eastspring Investments
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Artificial intelligence (AI) promises market nirvana, but is it a silver bullet or just another risk factor? Does AI really democratise knowledge and accelerate trading? How come it fails to conquer the ultimate portfolio killer: human indiscipline? Join Howie Lim and OANDA's Philip Waters as they attempt to cut through the hallucinations.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:10 The 'silver bullet' fallacy of AI
07:19 The alpha vanishing act
11:38 The Q4 2025 AI surge
14:22 The 2026 checklist: how and where to invest?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Philip Waters, head of Asia-Pacific and emerging markets, OANDA
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If you think Valentine's Day is the ultimate commitment, think again. Forget flowers and chocolates; money is the real love language. What else is there beyond joint accounts? What’s the 'financial foreplay' for testing compatibility and why is equities-investing your relationship's final exam? Howie Lim gets insights from Jeremy Tan, CEO of Tiger Fund Management.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:55 Financial compatibility more enduring than Valentine's Day
03:17 Maintain individual accounts and document large shared financial arrangements
08:43 The fine line of financial transparency
09:46 Equities as the "ultimate test" of compatibility
11:47 Sending "test balloons" early in a relationship
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jeremy Tan, CEO, Tiger Fund Management
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If 2025 left your portfolio feeling like a runaway train and before you chase the next shiny AI stock or panic-sell everything, take heed. How can you cut through the noise, the greed, and the well-meaning, inflation-averse relatives? Howie Lim finds out why systematic rebalancing beats FOMO, how to generate cashflow now, and where to find safety and growth in a chaotic 2026.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:13 Systematic, habitual rebalancing trumps timing
04:52 Importance of holding additional equity or 'dry powder'
10:01 Three behavioural traps
12:57 FOMO vs. risk management
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Winshern Ho, wealth manager, PhillipCapital and Oriano Lizza, sales trader, CMC Markets
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Bull markets breed bad habits. You might be confusing a great company with a great investment! Jose Mayora of Divita Value-Growth Fund reveals to Howie Lim the crucial and simple valuation metric retail investors must focus on when the hype runs high. Which overlooked sectors offer real compounding potential and why might the most boring investment strategy might be your best?
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:09 Cash flow compounding
04:28 The biggest pitfall
11:17 Overlooked sectors
16:08 Stock-pick or save?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jose Mayora, author and founder of the Divita Value-Growth Fund
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
New year, clean slate. But does your money reset have to feel stressful?
In this episode of Money Hacks, Emily Liu explores a softer way to plan for the year ahead. Financial consultant Patrine Choo and Gen Z money author Lillian Zhang share how they reflect on the past year, manage emotional money habits, and turn big goals into small, doable steps.
From automating savings to letting go of guilt, this episode reminds us that progress compounds, and a reset can start quietly.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:50 How to review your 2025 finances
03:37 It’s ok to feel scared
06:42 How to stop overspending
08:57 Start with small steps
10:40 Know your monthly expenses
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Emily Liu (emilyliu@sph.com.sg)
With Patrine Choo, financial consultant, Great Eastern and content creator, and Lillian Zhang, product marketing manager at Google and author, The New Money Rules: The Gen Z Guide to Personal Finance
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
This episode is your financial ‘crystal ball’! Did 2025 leave your portfolio feeling... something? As cash yields drop, find out where the real returns hide. Ditch nominal gains as Howie Lim gets the expert-led playbook for a more resilient 2026.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:45 2025 review
04:57 Private market warning
08:52 AI concentration risk
11:49 Policy-backed trends
12:50 Global diversification the key
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Charu Chanana, chief investment strategist, Saxo; Hugh Chung, chief investment officer, Endowus; and Jeremy Hall, head of international for Brookfield’s private wealth business, Brookfield Oaktree Wealth Solutions
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Your business is your biggest asset—but is it your smartest retirement plan? SME owners often risk starving personal wealth by betting everything on a future sale. Howie Lim learns the essential strategies for valuing your business, achieving tax-smart profit extraction, and building a separate, resilient retirement portfolio from Grace Tay, associate director, finexis advisory. Stop risking your future for the business's growth.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:05 Methods to value an SME for sale
03:28 The business is the engine that fuels retirement
09:32 Four factors that make a business attractive to buyers
12:11 Common pitfalls for SME owners
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Grace Tay, associate director, finexis advisory
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Future-proof your finances? That's what your advisor wants you to believe. Chris Miles, the anti-financial advisor, rips up the rulebook on saving for the "long haul," the myth of "money making money," and why high-risk is just high nonsense. Howie Lim gets the real cheat code from him.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:42 The 'long haul' lie: why saving for retirement can fail
02:36 Creating wealth without capital
06:17 The Cashflow Index
10:16 High risk does not mean high return
14:39 The 'cheat code': Why financial advisors hate it
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Chris Miles, CEO, Money Ripples
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Forget the blue chips. Singapore’s iEdge Next 50 indices are outperforming the STI by significant margins, signalling a seismic shift in market focus. Are mid-caps the new sweet spot for growth, offering higher potential with less small-cap volatility? Experts dissect the fundamentals, risk management strategies, and macro indicators essential for navigating this exciting segment.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:55 Assessing mid-cap fundamentals
04:44 Impact of analyst coverage
07:27 Portfolio integration
13:06 Macro outlook - key economic indicators
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Chong Yik Ban, equity research analyst, Phillip Securities Research and Daphne Tan, head of business development, CMC Markets Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Feeling squeezed by school fees, ageing parents, and volatile markets? You’re not alone.
Howie Lim chats with OCBC’s Timothy Liew, a wealth-management pro and fellow parent, about investing wisely when life gets expensive. Timothy opens up about his disastrous first trade, how he builds his core-and-satellite portfolio, and why diversification beats get-rich-quick dreams every time.
Plus, Timothy has a surprising answer for what he thinks could outshine AI in the long run.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:23 Don’t take bad advice from friends
04:55 Timothy’s core and risk portfolio
07:54 Investing for his son’s future
11:40 Advice for surviving volatile markets
14:20 There’s no shortcut to wealth
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Timothy Liew, head of investments, wealth management, OCBC
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If you’re worried about inflation eating into your savings, discover the art of "right-siting" your insurance. We're not just cutting premiums; we're freeing up capital for smarter investments. Learn how to identify over-insurance, maximise value, and even use tech tools to ensure your coverage fits your evolving life. Howie Lim speaks to Chan Wai Kit from Life Insurance Association (LIA) for help.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:12 Growing trend of "right-siting" amidst inflation
03:29 Maximising insurance value
09:55 Making money from your insurance portfolio
13:34 Tools to help
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Chan Wai Kit, executive director, Life Insurance Association (LIA)
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Forget slogging until 65 before retiring or taking a break. Discover the rising trend of mini-retirements – a "Project You" career pause that's surprisingly achievable. Howie Lim gets experts to reveal how to plan, fund, and navigate these strategic breaks, turning your financial fears into a roadmap for investing in yourself.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:00 Three-bucket system for mini-retirement
04:54 Framing mini-retirement as an investment
08:28 Re-entry into the workforce and career changes
11:03 Building alternative income streams
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ishan Sarkar, head of wealth & premier solutions, HSBC Singapore; Nick Tong, head of intermediary distribution, Southeast Asia, T. Rowe Price; and Jason Ang, senior wealth advisory lead, Syfe
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is a strong work ethic enough to escape the paycheck-to-paycheck cycle? Many Singaporeans prioritise immediate gratification over long-term financial security. We need to challenge the old ideas of saving and explore automated strategies with Benjamin Tan from Chocolate Finance.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:57 Automating savings: $5 a day = $90,000 in 30 years
03:44 The paradox: strong work ethic, yet paycheck to paycheck
05:06 The 40-30-20-10 framework for conscious spending
12:15 Ethical considerations: balancing present enjoyment with future security
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Benjamin Tan, chief investment officer, Chocolate Finance
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Forget what you think you know about investing. Even the CEO of an online brokerage embraces "basic" strategies. Howie Lim discovers from Ian Leong of Tiger Brokers Singapore why dollar-cost averaging (DCA) isn't just for beginners, how emotions sabotage your portfolio, and what's truly in a seasoned expert's investment mix. Uncover the secret sauce that separates speculation from sound strategy.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:40 From a Hong Kong drama to the trading pit
02:55 How greed and fear sabotage portfolios
06:03 Sambal chili for business
08:28 When boring works and when it doesn't
10:30 How DCA helps mitigate recent market dips
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ian Leong, CEO, Tiger Brokers Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Think of it as a tax-shielded account that's also a financial snooze-button! Discover how to invest smartly and save on taxes with your SRS funds. Don’t let your money sit there! Howie Lim finds out more from Jeremy Foo from StashAway and Hugh Chung from Endowus.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:01 Why leaving SRS funds in cash is detrimental
03:17 SRS investment strategies
09:07 Wide range of investment options available for SRS compared to CPF
11:32 The tangible benefits: a mathematical example
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jeremy Foo, Singapore country manager, StashAway; and Hugh Chung, chief investment officer, Endowus
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Think your "girl math" makes that coffee purchase free? Or that an $800 credit card spend for airport lunch is a "side hustle"? Join Howie Lim and Seth Wee as they hilariously debunk TikTok finance trends. Discover how to build real wealth, enjoy life's splurges guilt-free, and distinguish between savvy tips and absolute nonsense.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:04 The myth of easy side hustles
03:20 The dangers of oversimplified finance
04:28 Viral nonsense and financial absurdity
06:07 Useful FinTok advice
11:03 The boring stuff works; investment wisdom
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Seth Wee, content creator, sethisfy.com
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Many build financial fortresses only to feel guilty spending a penny. But you don't just want to be rich, you want to live richly as well. How can you get over the psychological hurdle of spending in retirement? Learn to redefine wealth beyond numbers, embrace "Ikigai goals," and create a spending plan that frees you to live fully and leave a lasting legacy with Loh Yong Cheng from Providend.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:49 Overcoming spending guilt
04:37 Translating assets into a perceived income flow
09:00 Your Ikigai goals
10:49 Taking care of you and your legacy
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Loh Yong Cheng, deputy head of advisory at Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If you’re ready to ditch the 9-to-5, David Kuo, co-founder of The Smart Investor, reveals if dividend investing is your golden ticket to financial freedom.
Discover how he transformed his wealth, navigated market volatility, and even found peace through income generation. Howie Lim has a candid chat with David about how to live life on your own terms – no Scrooge McDuck vault required.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:13 Building portfolios is like cooking
04:39 Don’t make these mistakes
11:12 Ingredients for a successful portfolio
14:18 Embracing volatility as opportunity
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With David Kuo, co-founder of The Smart Investor
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Unlock reliable income amidst market madness. Singapore's dividend stocks shine but don’t be chasing flashy returns. Howie Lim speaks to the experts to find out how quality, consistency, and clever diversification can turn economic uncertainty into dividend gold.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:09 Factors contributing to Singapore’s safe haven status
03:58 Sustainable dividend-paying companies beyond headline yield
07:29 Dividend sectors contribute to a wholesome portfolio
10:33 Look beyond local markets for better regional diversification
11:23 Strategies for navigating monetary policy shifts
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Charu Chanana, chief investment strategist, Saxo Bank and Andrew Goh, portfolio manager, Phillip Securities
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Investing can feel like a second job, but what if your money could work harder than you do? Find out how clarity, sound strategy, and a long-term view transform market noise into financial freedom. Simplify your wealth journey with systematic reviews, automation, and expert guidance. Howie Lim gets the skinny from Grace Tay from finexis advisory.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:00 The 3 ingredients of successful investing
04:34 The danger of playing someone else’s game
07:29 Simplified strategies for busy professionals
12:32 Alternatives worth looking into
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Grace Tay, associate director, finexis advisory
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If you’re sick of your salary shrinking faster than your social life, discover if employee benefits are the secret handshake to a richer life. How can you go about trading pay for perks? And how can you negotiate your way to a benefits package that's anything but basic? Howie Lim speaks to the experts to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:53 The hidden value of non-monetary benefits
03:25 When and how to discuss benefits
08:13 Monetising benefits
10:27 Flexibility as a dealbreaker
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Marina Sukhikh, industry practice leader, Aon Global Benefits (Asia Pacific) and Lim Chai Leng, general manager, Randstad Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If your stomach has been in freefall, don't panic! Let’s cut through market madness with the experts to uncover Asia's resilient sectors, navigate geopolitical shifts, and explore alternative investments. Gold may be pricey, but smart moves in tech, infrastructure, and private markets await.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:52 Global trends feeding into Asia
03:49 Resilient and growth sectors in Asia
11:25 US dollar's status and impact on investment
12:38 Alternative investment avenues: private markets?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Laura Cooper, head of macro credit and global investment strategist, Nuveen; and Cheng Chye Hsern, head of investment, Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
While it might seem altruistic to engage in values-driven investing, let’s face it: we still want to profit from sinking in hard-earned money into something. Does values-investing really come at the expense of performance? Is there a way to incorporate our values into our wealth growing journey?
Howie Lim speaks to Patrick Hong from Bill Morrisons Capital and Steward Thum from Phillip Securities for insights.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:56 Does values-investing make sense?
03:03 How to navigate the hype
06:29 Be wary of FOMO and greed
08:09 Overcoming behavioural biases
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Patrick Hong, managing partner, Bill Morrisons Capital; and Steward Thum, financial services associate director, Phillip Securities
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Buying property is a bit like dating: timing the market is hard, but "time in" it, understanding its "master plan," and ditching the HDB for an EC, can lead to a long-term, profitable relationship. Howie Lim gets insights from Eugene Lim, key executive officer of ERA.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:06 Timing vs time in
04:34 Understanding the master plan
07:11 Up and coming locations to consider
11:38 Tips of HDB upgraders
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Eugene Lim, key executive officer, ERA
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is US exceptionalism a myth, or simply a premium price for unparalleled performance? Is it time to diversify your portfolio beyond Uncle Sam's shadow? Howie Lim finds out from experts if the future of investing lies elsewhere.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:20 Why US exceptionalism is being questioned
03:51 US tech dominance
06:57 Why diversification now
10:06 Alternatives to US assets
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Mahesh Sethuraman, CEO, Saxo Singapore and Rahul Ghosh, portfolio specialist for global equity, T. Rowe Price
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Unlock smarter investing with core-satellite strategies! Learn how to build a stable foundation and seize opportunities with tactical bets. Howie Lim speaks to Amanda Ong from Arta Finance and Samuel Rhee from Endowus for all the tricks.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:47 Only for institutional investors?
03:01 Understanding core and satellite strategies
06:10 Practical tips for retail investors
09:24 Balancing and rebalancing
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Amanda Ong, CEO, Arta Finance Singapore and Samuel Rhee, co-founder, chairman and chief investment officer of Endowus
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Are data centres worth investing in? They seem such a large concept but are, apparently, quite a steady return on investment! And the APAC market is blowing up. Howie Lim finds out from the experts where the opportunities are.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:01 How retail investors can participate
04:59 The risks and rewards
08:36 The hidden risks and rewards
09:54 Criteria for successful operators
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daphne Tan, head of business development, CMC Markets and Shun Endo, head of data centre, capital markets, Asia Pacific, CBRE
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Early financial education can empower children to avoid debt and parental mistakes, fostering financial independence. But how early is early and how do you rectify the mistakes you've made and ensure your kids don't pick that up? Howie Lim speaks to the experts to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:10 Good habits are better than good intentions
03:20 Kids don't learn from lectures
05:30 Can kids grasp compounding?
09:00 Financially reset yourself?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Dawn Cher, author & founder of SG Budget Babe; and Janice See, financial literacy educator with Junior Achievement Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Stablecoins promise fast, cheap, borderless money transfers—but can they also be part of your investment strategy? With Singapore and Hong Kong rolling out new regulations, interest is heating up.
In this episode of Money Hacks, Howie Lim talks to Amy Zhang from Fireblocks and Koen Hoorelbeke from Saxo to unpack what stablecoins are, how they're used today, and why regulation is key.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:06 Stablecoins = US dollar?
04:10 Regulatory risks of stablecoins
07:22 Easiest way to move money?
10:09 Stablecoins' role in a portfolio
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Amy Zhang, head of APAC at Fireblocks and Koen Hoorelbeke, investment strategist at Saxo
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Investing in private markets can help reduce overall portfolio volatility, as they tend to have a lower correlation with public markets. Sure sounds good but what are the hidden complexities to look out for before you take the plunge? Howie Lim finds out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:13 Are private assets available to retail investors?
04:36 More governance and transparency for the private market
08:10 Hidden complexities revealed
12:01 Democratising the private market
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ritesh Ganeriwal, managing director and head of investments and advisory at Syfe
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Why the sudden Midas touch? Blame it on global uncertainty. But gold, it's not just for pirates and pharaohs anymore! This lustrous metal has been having a moment, shining brighter than a supernova in 2024 but at about $3300 an ounce, have retail investors missed the boat? Howie Lim speaks to the experts to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:13 Why gold has gained ground
04:26 Have you missed the boat?
08:16 Are there gold alternatives?
11:43 Gold investing strategies
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Stephanie Leung, chief investment officer, StashAway; Robin Tsui, APAC gold strategist, State Street Global Advisors; and Fan Shaokai, head of Asia-Pacific (ex-China) & global head of Central Banks, World Gold Council
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
"Keep calm and stay invested”, they say. That’s easier said than done. In fact, long-term investing is suddenly under fire because of the uncertainty surrounding markets these days. So should we cut and run or stay the course? Howe Lim speaks to the experts to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:04 The viability of long-term investing
04:15 Misconceptions of long-term investing
08:16 What to invest in the long term
11:57 Should we rethink time horizon or rebalance?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Yee Shen Hao, financial services manager, Phillip Securities; and Tan Chin Yu, lead of Advisory Team, Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Think crypto’s just for tech bros and meme coin gamblers? Think again.
In this episode of Money Hacks, Howie Lim digs into the surprisingly high crypto adoption rates in Singapore with Coinbase’s Hassan Ahmed and crypto communications professional Deborah Tan-Pink.
From common misconceptions and beginner mistakes to why stablecoins might just be the sneaky MVPs, we break down what new investors need to know.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
03:23 Top crypto assets in Singapore
05:22 How much crypto in a portfolio
09:18 Crypto’s volatility
11:16 How global uncertainty will affect crypto
15:17 Outlook for the year
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Hassan Ahmed, Singapore country director, Coinbase; and Deborah Tan-Pink, crypto communications professional
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
June is upon us and it’s time to get out! But can you still find bargains during travel peak time? Have you considered an alternative destination and how else can you maximise your travel budget? Howie Lim speaks to Cyndi Hui from Skyscanner to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:15 The value maximisation continues
05:25 If flexibility isn’t on the table
08:39 Luxe for less
12:31 Year-end travel trends
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Cyndi Hui, travel trends and destination expert, Skyscanner
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Exchange-traded funds are an excellent entry point into the stock market for new investors. They’re cheap and typically carry lower risk than individual stocks since a single fund holds a diversified collection of investments. How’ve they been doing so far with all this market volatility? Howie Lim finds out from Dina Ting of Franklin Templeton.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:57 Shifting investor appetite
04:38 Favourable market conditions
08:34 Portfolio repositioning
13:53 How to navigate uncertainty
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Dina Ting, senior vice president, head of Global Index Portfolio Management, Franklin Templeton
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Given the potential for Reits to outperform in a muted Singaporean economy due to their attractive dividend yields, the question arises: should investors consider shifting their investments from banks to Reits? Howie Lim finds out from the experts.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:10 The current landscape
03:26 Reits vs. banks vs. STI?
06:42 Outlook for the rest of 2025
09:25 Strategic portfolio approach
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daphne Tan, head of business development, CMC Markets Singapore; and Ritesh Ganeriwal, managing director and head of investment and advisory, Syfe
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
In the middle of May, the US said they would lower tariffs from 145 per cent to 30 per cent, while China's retaliatory tariffs on US goods will drop to 10 per cent from 125 per cent. This is promising but doesn’t take away from the fact that the tariffs may have dealt a blow to Chinese markets already.
Is China still worth investing in, then? Howie Lim speaks to the experts to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:25 Tariff impact on China
04:53 Chinese investment opportunities
09:00 Navigating uncertainty
10:20 Why China is still worth it
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Raisah Rasid, global market strategist at J.P. Morgan Asset Management and Sean Teo, trader at Saxo
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
You’d like a marble counter top, zebra wood for your floors and designer fixtures. But before all that, shouldn’t you figure the budget out and if you have the money? If not, maybe there are loans out there to tap on. For more insights on how to ‘hack’ your home renovations, Howie Lim speaks to Jenn Ong, managing director of GXS Bank.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:43 Home renovations - exciting or overwhelming
03:26 Setting realistic budgets
05:04 Flexibility in loan payments
09:08 The best financial solutions
11:36 Must dos
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jenn Ong, managing director, GXS Bank
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Rising costs and uncertainty have knocked the long heralded $1 million off its pedestal. Or has it? Is $1 million enough to retire on? If not, how much is enough? And how quickly can one get to their magic number? Howie Lim speaks to The Weeblings, content creators who are a quarter way there for insights.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:57 The Weeblings’ magic number
08:09 Steps to take to obtain magic number
12:26 Why we should follow The Weeblings
16:55 Advice for the risk adverse
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Sara and Aaron Wee, content creators
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Can personal finance be as simple as ‘staying in your lane’ and not ‘speeding’? Surely it’s more complex than that. Or is it? Howie Lim speaks to financial advisor and author George Stefanou about his ‘5 lanes of personal finance’ theory.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:28 How to classify needs, wants and wishes
05:31 The 5 lanes of personal finance management
07:34 The 5 lanes of personal finance management - con’t
12:26 How to stay the course, if not in your lane
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With George Stefanou, financial advisor and author
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
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Spotify: bt.sg/oeGN
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Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
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The Trump tariffs have released market mayhem. How is your 60/40 portfolio doing? Should you rejig this classic investment strategy and how can you balance your defensive positioning with the growth potential of your investments? Howie Lim speaks to Audrey Goh from Standard Chartered Bank and Pete Tan from PhillipCapital for insights.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:06 The 60/40 portfolio assessed
03:58 How investors have been reacting
07:45 How 60/40 manages volatility
09:36 Investment opportunities in uncertainty
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Audrey Goh, head of asset allocation at Standard Chartered Bank’s wealth solutions division and Pete Tan, portfolio manager at PhillipCapital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
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Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
As it becomes more challenging to earn a decent interest rate on our savings, it’s time to look beyond fixed deposits and T-Bills, for that matter.
Are there instruments which afford the same returns as fixed deposits but greater flexibility? Howie Lim speaks to Michele Ferrario of StashAway and Willie Keng from dividendtitan.com to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:10 Money Market Funds
04:48 Money Market Funds vs. Short-term Bonds
09:19 What is the safest bet?
11:17 The myth surrounding fixed income
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Michele Ferrario, co-founder and CEO of StashAway and Willie Keng, founder of dividendtitan.com
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How do you turn your flailing portfolio around if it had an abysmal time in Q1? What were the mistakes you made and what can you do about them to have a fruitful rest of the year? Howie Lim speaks to David Kuo from The Smart Investor and Hugh Chung from Endowus for advice.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:13 Do not do this anymore
07:04 Noise vs economic data
11:17 Turn things around
13:21 Outlook for the rest of 2025
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With David Kuo, founder, The Smart Investor and Hugh Chung, chief investment officer, Endowus
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
About two in three Singaporeans are considering a job change within the next 12 months. Are you one of them? Do you know what it entails financially to switch roles? Have you considered all the angles? Howie Lim speaks to Susan Fanning from Aon to get the answers.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:57 The great resignation and the war for talent
04:12 Most important considerations
08:35 Less common but equally important
12:30 Consider these before switching roles
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Susan Fanning, head of wellbeing solutions, Aon
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Singapore’s real estate investments are increasing, despite a slow down in the 2nd half of 2024. But it’s not just the residential segment. Plus, what are the opportunities in the region? Howie Lim speaks to Greg Hyland, head of capital markets, APAC at CBRE to find out how trends and opportunities are shaping up in the region.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:11 Understanding market trends
03:12 The future of office, retail and industrial spaces
07:59 Other regional trends
10:41 Diversification opportunities
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Greg Hyland, head of capital markets APAC, CBRE
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With some much uncertainty these days - economic, financial and geopolitical even - how can we make sure our money, portfolios and funds stay healthy and protected? Correspondent Howie Lim finds out from the experts.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:12 Geopolitical drivers explained
03:41 Sectors affected and sectors to consider
06:15 Singapore’s investment appeal
09:24 Long-term vs. short-term investing
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Charu Chanana, chief investment strategist, Saxo; Glenn Thum, equity research analyst, PhillipCapital; and Angelina Lai, CIO, St. James’s Place Asia and Middle East.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is your business ready to capitalise on the opportunities presented by Budget 2025?
In our latest episode of Money Hacks, host Howie Lim dives into the details of Budget 2025 with Christopher Gee, deputy director at the Institute of Policy Studies, and Yong Jiahao, corporate tax partner at KPMG.
From corporate tax rebates to AI readiness and talent development, they unpack how this year’s government budget is set to shake things up for Singaporean businesses.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:54 Corporate tax rebate
04:03 Revitalising Singapore's stock market
07:00 Funding AI adoption
10:00 Improvements to SkillsFuture
12:14 Sustainability in progress
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Christopher Gee, deputy director at the Institute of Policy Studies at NUS and Yong Jiahao, partner, corporate tax, KPMG in Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
If you’re financially prepared, being laid off may not be so daunting. But that’s key: being prepared. How long does it take to do that and what are the steps to take? Howie Lim speaks to Daphne Tan from CMC Markets Singapore and Zac Ng from PhillipCapital.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:13 Drivers of current retrenchment wave
03:55 How much the emergency fund should be
07:26 Don’t doubt yourself
09:31 What should be cut
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daphne Tan, head of business development CMC Markets Singapore and Zac Ng, senior director of financial services, PhillipCapital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Managing personal finances can feel overwhelming, especially when traditional tools focus more on restrictive budgeting than on holistic, fulfilling financial planning. Can we do it ourselves or should we get help? Howie Lim speaks to content creator Tim Phillips and Isaac Ong from Providend to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:08 Why the question matters
04:02 Considerations to ponder
08:48 AI game changer or not
11:18 The importance of balance
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Isaac Ong, client adviser at Providend; and Tim Philips, content creator from timtalksmoney.com
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
As economic uncertainty increases, personal finance management becomes that much more complex. Or does it have to be? How can we preserve and grow our wealth even during volatile times? Howie Lim speaks to Shang Saavedra, author and financial educator to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:57 Cut your budget or grow your income
04:13 Is one better than the other?
07:04 Stop doing this!
08:41 How much tech would help
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Shang Saavedra, author and financial educator
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How did a home baker and former banker build herself a successful business hawking her delicious macarons and other baked gems? Howie Lim speaks to the founder of Annabella Patisserie to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
This episode is brought to you by WorldFirst.
Highlights:
01:34 The biggest challenges with cross-border payments
02:46 How challenges can be tackled
04:47 Navigating the current volatile environment
07:22 Solutions can be bespoke
08:21 Annabella Patisserie’s story
10:31 The road ahead with WorldFirst
More about:
WorldFirst's competitive pricing
How to Source and Pay to China with ease through WorldFirst's solutions
Getting first dibs on WorldFirst's happenings round the clock
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Annabella Sonwelly, founder, Annabella Patisserie
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
It’s time to make your spending work harder for you. It’s a step up from making your money work for you. Credit cards can offer astounding rewards and cashback but you have to put in some effort. Howie Lim gets expert help from Audrey Yap, a content creator with lobangsis.com
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:05 Choosing the right card/s
04:07 Cards’ overall value
06:29 Avoiding the debt trap
08:55 Discipline is all you need
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Audrey Yap, a content creator with lobangsis.com
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How do we safeguard our wallets during the festive season without taking the joy out of the celebrations? And should we use our bonuses to fund the merriment? Howie Lim speaks to Seth Wee, content creator and finfluencer from sethisfy.com and Dhanesh Sharma, financial services manager at PhillipCapital to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:24 Budget, budget, budget
02:23 Pitfalls to look out for
05:45 You come first
07:56 What about your bonus?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Seth Wee, content creator and finfluencer from sethisfy.com and Dhanesh Sharma, financial services manager at PhillipCapital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How will gold fare in 2025 now that it’s had rather a stellar 2024 and, let’s face it, decade? Should we be shoring up on this safe haven asset or letting some of it go? What headwinds or tailwinds will gold face moving forward?
Correspondent Howie Lim speaks to Albert Cheng, CEO, Singapore Bullion Market Association and Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:23 Gold in 2024
04:09 Investors’ allocation into gold
07:50 Head and tailwinds for gold
10:20 Will demand for gold rise for CNY?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Albert Cheng, CEO, Singapore Bullion Market Association and Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Digital trading platforms have transformed investing. And with the online brokerages and share trading platforms sector heating up, how will we know we’re picking the right one and not just falling for anything?
Correspondent Howie Lim speaks to Philip Waters, head of Asia Pacific and Emerging Markets at OANDA to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:13 How 2024 played out and what to expect in 2025
04:02 The election which impacts all
09:04 Navigating the crowded online space
12:05 The advice people just won’t take!
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Philip Waters, head of Asia Pacific and Emerging Markets, OANDA
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
As costs of living continue to rise, everyone is grappling with how to manage their money. But do the different generations see personal finance differently and can they come together to learn from each other? Howie Lim speaks to a mum of two young kids and a recent graduate to get insights.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Dawn Cher, SG Budget Babe, finance influencer and Ge Jiabao, financial advisor and content creator.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Emily Liu
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With familiar challenges persisting into 2025, perhaps the outlook for 2025 needn’t be so pessimistic with another Trump-era looming. But how much will Trump’s America-first policies affect the global economy and your investments? Howie Lim speaks to the experts to get their take.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:27 The year 2024 was
02:57 2024 sets the stage for 2025
07:59 Dealing with market volatility
11:10 Which sectors will benefit and how to reposition
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Samuel Rhee, chief investment officer of Endowus, Kelvin Wong, senior market analyst at Oanda and Rohith Murthy, CEO of the MoneyHero Group
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Planning for retirement is a crucial part of financial planning and one of the many tools designed to help is the Supplementary Retirement Scheme or SRS. And why is it that we tend to talk about the SRS at the end of the year and can it really help power-up our retirement savings?
Howie Lim speaks to Shawn Lee, assistant vice president, financial planning literacy, DBS Bank to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:14 Why year-end is SRS season
03:30 The downside to the SRS
05:57 Do not leave the SRS idle
08:06 Will changes to the CPF Act have an impact?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Shawn Lee, assistant vice president, financial planning literacy, DBS Bank
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How can gig workers better plan their finances and access financial services? Are fractional jobs the perfect fit for modern hustlers? Is it a world where relying on just a traditional 9-to-5 job is no longer enough? Howie Lim speaks to Daphne Tan, head of business development at CMC Markets Singapore and Jenn Ong, managing director, head of retail, GXS Bank to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:36 The different alternative to full time employment
04:13 Disadvantages to this kind of working
07:43 Covid’s impact on employment
10:26 How to manage your money
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daphne Tan, head of business development at CMC Markets Singapore; and Jenn Ong, managing director, head of retail, GXS Bank
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Why does personal finance management always have to be so complicated and daunting? Actually, it isn’t and professor Steve Foerster from Ivey Business School has 3 simple steps. Correspondent Howie Lim gets the skinny from the professor.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:09 Success hangs on a sound investment philosophy
03:46 The 3 levers to financial success
07:16 The trade-offs
09:35 Obstacles to look out for
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Steve Foerster, professor of finance, Ivey Business School, Canada
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Money Hacks by The Business Times delivers useful financial tips every Monday. Subscribe to the playlist in Spotify, Apple Podcasts, or wherever you listen to podcasts.
But if watching is your thing, we've got you covered.
Subscribe to the Money Hacks playlist in the podcasts tab of The Business Times YouTube channel and watch as Howie Lim gets the inside scoop on the best money hacks.
Website: bt.sg/moneyhacks
YouTube: The Business Times
See omnystudio.com/listener for privacy information.
Worried about dementia's financial toll? Planning for dementia-related financial care isn't easy. Correspondent Howie Lim speaks to Helen Shen, group head of products at Singlife to explore effective ways to safeguard your finances from dementia's impact.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:40 Financial assets of loved one with dementia
05:08 The cost of dementia
07:50 How to broach the subject
12:39 Resources to help navigate
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Helen Shen, group head of products, Singlife
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How much are finance influencers impacting financial decision-making? These individuals offer advice and information on everything from bonds, equities, and crypto to traditional savings accounts and travel miles. But are they replacing traditional financial advisors?
Howie Lim speaks to Dawn Cher, SG Budget Babe, a leading personal finance influencer based in Singapore and Brian Seetoh, financial services manager, PhillipCapital to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
03:54 Can finance influencers and financial advisors co-exist?
08:03 Whether regulation will protect consumers better
11:11 The battle between finance influencers and lifestyle influencers
13:44 Spotting the legit finance influencers
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Dawn Cher, SG Budget Babe, a leading personal finance influencer based in Singapore and Brian Seetoh, financial services manager, PhillipCapital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
From 2025, CPF members above age 55 will no longer keep funds in their Special Accounts (SA). Balances in the SA will be transferred to the Ordinary Account (OA), reducing the interest rate from at least 4 per cent in SA to 2.5 per cent in OA. What does this mean for your retirement?
Howie Lim speaks to Christopher Tan, CEO of Providend to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:05 Key changes to CPF from 2025
06:54 Why the changes and what to do now
11:23 Advice for the confused
16:05 More tips to navigate the changes
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Christopher Tan, CEO, Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
In today's fast-paced financial world, staying updated with the latest economic trends and rate cuts can feel like a full-time job. Howie Lim guides you through the maze of financial information and strategies this week with Vuk Vukovic, CEO and CIO of Oraclum Capital.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Vuk Vuković, CEO and CIO, Oraclum Capital
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Asian fixed income shows strong performance and potential, despite global market fluctuations and economic uncertainties. It might be time to get onboard but how? Howie Lim finds out from Navin Saigal, head of fundamental fixed income, Asia Pacific at BlackRock.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:14 Asian market outperformance
03:54 Uncorrelated growth patterns
06:32 Anticipated risks
10:18 Long-term outlook
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Navin Saigal, head of fundamental fixed income, Asia Pacific at BlackRock
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With the cost of living continuing to rise, investors are eager to discover ways to elevate their financial standing. Correspondent Howie Lim gets some actionable strategies for enhancing your income from Candy Valentino, author and financial analyst.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:31 Diversifying your income streams
04:06 Capitalising on assets
07:11 The reality of passive income
10:27 Embracing long-term strategies
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Candy Valentino, author, business growth expert, and financial analyst
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
An intriguing aspect of personal financial management is the strategic accumulation of air miles. This can transform your travel experience and save you significant amounts of money. Correspondent Howie Lim speaks to the experts to find out you can ‘fly free’.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:59 Strategies to hack air miles
02:49 The search for appropriate credit cards
06:39 Why budget travel hasn’t dampened air miles accumulation
09:20 Stay the course and then ‘fly free’
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Tim Philip from timtalksmoney.com; and Mark Tan, head of commercial, MoneySmart
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
What is the current state of digital assets and crypto? What are the dynamics at play and now that institutional investors seem to be excited about the space again, what would this mean for retail investors? Howie Lim speaks to Kunal Chowdhry, CEO of Apollo Singapore Investments for more insights.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
02:04 Rise and fall of digital assets
04:51 Why cryptocurrencies are top of mind again
10:47 Which digital assets are worth the risk?
14:20 The future of digital assets
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Kunal Chowdhry, CEO, Apollo Singapore Investments
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Analysts are saying that tech stocks will move higher to end the year and through 2025 but others have turned bearish. So what do we do? And is there a way to navigate the space safely? Howie Lim speaks to Dom Rizzo, portfolio manager, global technology equity strategy at T. Rowe Price to find out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
00:56 What the deal with tech stocks is
02:54 Understanding the sector
04:26 Outlook for the tech sector
07:39 Tips for retail investors
10:47 The questions around AI
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Dom Rizzo, portfolio manager, global technology equity strategy, T. Rowe Price
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
While the debate continues as to whether the Fed’s jumbo rate cut was anticipated, we’re more concerned as to what will happen to our investments and money. Experts and market watchers weigh in with tips on where to put our money now.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:49 Why understanding Fed decisions is important
04:29 What the divided decision means
06:02 Where the investment opportunities are
12:10 More information may become available
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Charu Chanana, head of FX strategy and global market strategist, Daphne Tan, director of business development, CMC Markets Singapore and Daryl Ho, senior investment strategist, chief investment office, DBS Bank.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Returns on whisky cask investments can be attractive over time but investing through cask ownership has become a minefield, breeding scammers out to profit from the relatively opaque market. Good thing Howie Lim speaks to experts to help us navigate.
Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.
Highlights of the conversation:
02:37 Why whisky cask and not whisky investing
04:43 How to be sure whisky cask is for you
07:42 Whisky cask investing is safer than most asset classes
10:05 Should whisky drinkers get involved?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Alexander Knight, CEO, Whisky Cask Club
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
More young people crave independence and are moving out of their parents’ before getting married? How do you know when it’s time and if you have the means to do so? Howie Lim speaks to Tim Phillips from timtalksmoney.com and Seth Wee from Providend to find out when and how they did it.
Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.
Highlights of the conversation:
02:14 Budget considerations
03:51 How investing will help
07:09 Unforeseen expenses
09:28 Should you buy or rent?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Tim Phillips, timtalksmoney.com; and Seth Wee, client advisor, Providend
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Investors fled from risk assets when the Asian stock sell-off deepened in August. It was speculated that interest rates would need to be cut rapidly to stimulate growth. Was this a one-off or a signal of things to come? Howie Lim finds out from Paul Chew head of research, Phillip Securities Research.
Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.
Highlights of the conversation:
02:46 Investors should not focus on one data point
05:50 Precedents in history to draw parallels
09:26 How market interconnectedness plays a role
11:08 All times are uncertain and volatile
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Paul Chew, head of research, Phillip Securities Research
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Companies should start placing a higher priority on both employee mental and financial well-being because the better your workers are, the better your company will be as well. How true is that and when did it become an employer’s responsibility to care for its employees’ finances? Howie Lim speaks to So Sin Ting from Endowus, Theodoric Chew from Intellect and Paul Gordon from Aon to find out.
Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.
Highlights of the conversation:
01:48 Relationship between financial preparedness and self
03:40 Financial well-being is about more than financial health
06:18 Is it really an organisation’s responsibility?
10:34 Take care of your people, and they’ll take care of business
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Theodoric Chew, co-founder & CEO, Intellect; So Sin Ting, chief client officer, Endowus; and Paul Gordon, head of financial wellbeing, APAC, Aon
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With the US economy giving everyone whiplash in recent times and the Fed poised to cut interest rates, what does this all mean for your investments? Howie Lim speaks to Charu Chanana, head of FX Strategy and global market strategist at Saxo to find out.
Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.
Highlights of the conversation:
01:43 How the US economy is doing so far
04:30 Which scenario will be better for you?
09:02 Where exactly the US economy is headed
13:13 Is ‘timing’ rebalancing your portfolio bad too?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Charu Chanana, head of FX Strategy and global market strategist, Saxo
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
After first gaining popularity in the early 1990s, investment-linked insurance policies have been a mainstay in the offerings of insurers. But how much has changed since then and do they have a place in your portfolio today? Howie Lim talks to CEO of Providend Christopher Tan and chief agency officer of Income Insurance Tan Chuan How to find out.
Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.
Highlights of the conversation:
01:33 How ILPs are like ‘cooking’ or ‘football’
05:15 The skinny on wealth-accumulation ILPs
09:38 Reasons to be cautious
11:12 Benefits of ILPs
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Hosted by: Howie Lim (howielim@sph.com.sg)
With Christopher Tan, CEO, Providend and Tan Chuan How, chief agency officer, Income Insurance
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Debt can be scary but you’re not alone. There is help available and paths you can take. Howie Lim finds out what they are from Tan Huey Min of Credit Counselling Singapore and Seth Wee of Providend.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights of the conversation:
03:48 Cheapest ways to get out of debt
05:14 Are you ready to seek help?
08:50 Things you can do
11:58 Not as difficult as it may seem
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Seth Wee, client adviser, Providend and Tan Huey Min, general manager, Credit Counselling Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Singapore as a global financial hub attracts expatriates from around the world. This drives prices and costs up. Additionally, Singapore has been crowned the costliest city for expats by several surveys. How is everyone dealing with this accolade and those pesky costs? Howie Lim finds out from Christopher Forbes from CMC Invest and Bryan Tay from Lendela.
Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Highlights of the conversation:
01:10 Where do extra costs for expatriates come from?
04:55 Increasing compensation package; a self-fulfilling cycle
07:47 How citizens are coping
12:09 Could the high cost of living force expats out?
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Bryan Tay, country manager, Lendela and Christopher Forbes, head of Singapore, CMC Invest.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
What is ‘money dysmorphia’, ‘soft life’ and ‘loud budgeting’? Your guess is as good as any! Howie Lim finds out from Christopher Forbes of CMC Invest and Seth Wee from Providend whether these Gen-Z money trends are worth looking into.
Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Highlights of the conversation:
00:58 Gen-Z money trends are really boomer financial fads?
02:54 Doom spending can’t be good
05:52 Tackling money dysmorphia
08:26 The generations aren’t that different
13:45 Advice which stands the test of time
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Christopher Forbes, head of Singapore, CMC Invest and Seth Wee, client adviser, Providend.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
The Supplementary Retirement Scheme or SRS is a tax efficient account but heavily underutilised in Singapore. How can we best utilise this account to help pad up our retirement savings and what should we be investing in?
Howie Lim speaks to Hugh Chung from Endowus and Jermyn Wong from State Street Global Advisors to find out.
Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Highlights of the conversation:
01:03 Supplementary Retirement Scheme (SRS) adoption and statistics
02:50 Investment strategies for SRS
04:07 Tax benefits and withdrawal considerations
06:50 ETFs vs Unit Trusts (for SRS)?
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Hugh Chung, chief investment advisory officer, Endowus and Jermyn Wong, head of intermediary South East Asia, State Street Global Advisors
Edited by: Howie Lim & Lee Kim Siang
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Chinese equities have rebounded this year as the Chinese government has introduced a series of measures to prop up the economy and property market, but data is still mixed on where the economy is headed. So has China truly bottomed out?
Howie Lim finds out from Shaun Rein of China Market Research Group.
Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Highlights of the conversation:
01:07 How investible is China now?
04:19 Analysis of China’s real estate market
09:28 Trajectory of China's economy
13:26 Investment opportunities in China
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Shaun Rein, founder, China Market Research Group
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Howie Lim shares a big update about the show.
Spoiler alert: Money Hacks is now weekly!
See omnystudio.com/listener for privacy information.
Arguably, the world’s largest democracy’s election was a one-man show: Prime Minister Narendra Modi and his BJP. But now that that’s done and dusted, how did the economy and the markets react to the results and where are the investment opportunities?
Howie Lim speaks to Radhika Rao, senior economist & executive director, DBS Bank for more insights.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:59 Indian market reactions and investor sentiments
02:56 Indian coalition government and market stability
04:23 Post-election Indian stock markets analysis
07:05 Risks and opportunities in Indian markets
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Radhika Rao, senior economist & executive director, DBS Bank
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
S-Reits are supposed to be the net outperformers for 2024. But that doesn’t seem to be the case so far. Is it looking on the up and up for them for 2H 2024, though? Howie Lim finds out.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:58 Analysts' perspectives on current S-Reits’ performance
03:25 Diversification in S-Reits
05:25 Benefits of S-Reits vs other Reits
07:42 Impact of upcoming trends on S-Reits
10:55 Analysts' S-Reits winners
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Geoff Howie, market strategist at Singapore Exchange and Lock Mun Yee, deputy head of research at CGS International
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Holiday season is upon us but if you haven’t booked or planned, have no fear. There are still some ways you can save money without breaking the bank on those peak-period-marked-up prices.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights:
01:07 Top travel hack trend for 2024
04:48 Tips for cheaper accommodation
08:50 Tips for cheaper transportation
11:39 Free accommodation!
12:27 Utilising tech
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
Hosted by: Howie Lim (howielim@sph.com.sg)
With Diane Chang, executive director of the Consumer Banking Group at DBS Bank; Isabel Leong, blogger of Bel Around the World; and Jaclynn Seah, blogger of The Occasional Traveller.
Edited by: Howie Lim & Lee Kim Siang
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
What makes Islamic investing different from conventional investing and can people not of the faith get in on the action? Also, what is the outlook for Islamic investing and the trends to keep an eye on?
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:03 Difference in Islamic investing
04:28 Competitive returns for everyone
06:19 Why Sukuks are the most popular investment product
07:40 Singapore as an Islamic finance hub
10:02 Trends investors should look out for
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Hosted by: Howie Lim (howielim@sph.com.sg)
With Syed Muhammad Alsagoff, associate director, Shariah Services, CGS International Securities Singapore and Muhammad Ridhwaan Radzi, managing director, IFSG and RizqX.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How much do our parents' money habits shape our own financial behaviour? Turns out, quite a lot. In this episode, host Lee Kim Siang sits down with Audrey Tan, co-founder of PlayMoolah, a financial education company, to talk about how the money narratives we inherit hold us back from achieving our financial goals. Plus, we hear from Edwin Ooi, senior financial advisory specialist at MoneySmart, about the shocking results from their recent survey.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:59 What are money narratives?
03:55 How our parents influence our financial habits
07:18 Breaking the intergenerational cycle
09:49 How to teach our kids about money
Find out more: https://www.moneysmart.sg/credit-cards/how-parents-influence-our-financial-habits-ms
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Edwin Ooi, senior financial advisory specialist, MoneySmart; and Audrey Tan, co-founder, PlayMoolah
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel:bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at : bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Ready to dive into the exhilarating world of forex, but not sure where to start? In this episode, Lee Kim Siang speaks to Charu Chanana, head of FX strategy at Saxo to answer all your questions, from understanding currency pairs to managing risk effectively.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:40 Pros and cons of forex vs equities
04:17 Understanding leverage in forex trading
06:51 Forex trading strategies for beginners
10:57 Major currency pairs outlook
15:05 Impact of interest rates on currency value
17:10 Common forex trading mistakes
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Charu Chanana, head of FX strategy, Saxo
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Japan’s stock market has made a big comeback this year. Could the country finally be leaving the lost decades behind? Lee Kim Siang speaks to Naomi Fink, global strategist at Nikko Asset Management, to break it all down.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:51 The driving forces behind Japan's economic rally
03:39 Is Japan finally overcoming deflation?
04:57 The impact of Abenomics on corporate governance
10:55 How yen weakness impacts investors
13:16 What to watch in the upcoming earnings season
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Naomi Fink, global strategist, Nikko Asset Management
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Who will make decisions about your personal welfare or finances if you lose mental capacity? On this episode, host Lee Kim Siang talks to lawyer Stefanie Yuen Thio about the vital importance of setting up a Lasting Power of Attorney.
Highlights of the conversation:
01:41 What is a Lasting Power of Attorney (LPA)?
02:34 Why LPA is important for everyone
07:16 How LPA fits into estate planning
10:19 LPA Disputes within the family
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Stefanie Yuen Thio, joint managing partner, TSMP Law Corporation
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Bitcoin is having a major comeback this year. Not only have prices more than doubled, there are now funds tracking the cryptocurrency in the US stock exchanges. But some are worried this could be the beginning of another bubble.
Are we looking at another Bitcoin bubble, or is the cryptocurrency here to stay? Lee Kim Siang sits down with Coinhako’s Kelvin See for insights.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:37 Bitcoin’s recent surge
03:51 What are Bitcoin ETFs?
07:02 What is Bitcoin halving?
10:16 Pros and cons of investing in bitcoin
13:59 Is it a good time to invest in bitcoin?
Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes.
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Kelvin See, head of trading, Coinhako
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Watches are one of the most popular buys for wealthy Singaporeans. If you’ve seen one up close, you can see why they’re such beloved works of art. But can they pull their weight as investments?
BT’s Lee Kim Siang sits down with Nick Lim, director of second-hand dealer Chuan Watch to get to the bottom of this.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:37 Pros and cons of watches as investment
02:58 How to evaluate a watch
05:59 Factors that influence the price of a watch
06:35 The Covid luxury watch boom and bust
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Nick Lim, director, Chuan Watch
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
You know how it goes: It’s been a long, stressful week. On a whim, you decide to treat yourself to a massage. Your partner gets salty. A fight ensues. How do you avoid this? Lee Kim Siang hears from one couple who’s figured it out.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:22 Planning for big ticket purchases
04:09 Balance financial, emotional and physical responsibilities
07:24 Financial support for your in-laws
08:58 Budgeting as a couple
13:37 Treat your partner like a boss
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Angela Teng, editorial director of The Simple Sum; and her husband Isaac Tan
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Layoffs seem to be happening left and right. What rights do Singaporean employees have in the face of retrenchment? How can you dispute your severance package? Lee Kim Siang finds out.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:13 Singapore’s employment law provides limited protections for retrenchment
07:51 How Lazada fumbled their latest round of layoffs
12:01 How to negotiate your exit package
15:45 How to dispute your retrenchment
Hosted by: Lee Kim Siang (kimsiang@sph.com.sg)
With Amarjit Kaur, head of employment law, Withers KhattarWong; and Wong Siqi, content creator
Edited by: Emily Liu & Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
It’s that time of the year again, where time-honoured tradition lines our red packets (and pockets) with cash. What’s the best way to make the most of our ang-bao money? Howie Lim finds out.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
03:08 Importance of planning your finances
04:16 Saving is not sufficient
05:37 Understanding your needs versus wants
06:49 Step-by-Step guide to using your ang-bao money
07:46 Saving, spending and investing have to coexist
09:41 Where to start investing for a beginner
Hosted by: Howie Lim (howielim@sph.com.sg)
With Mey Wong, head of client experience at StashAway
Edited by: Claressa Monteiro
Produced by: Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
These are trying times and all eyes are on Budget 2024, especially since rumours abound that it could be an ‘election Budget’. Howie Lim finds out what various industry experts think.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:26 New tax incentives for corporates
05:31 To boost sustainability efforts
06:16 GE and elevated cost of living
08:12 Have Budgets done enough already?
10:31 What if wish lists don’t materialise?
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Tan Wen Wei, analyst, Asia at EIU; Gene Kwee, partner, head of tax APAC at Mazars; and Yong Jiahao, partner, IGH & manufacturing, tax, KPMG in Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Emily Liu
Engineered by: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
A trend in 2024 could be institutional players showing a keen interest in issuing their own stablecoins. And it’s a move that has been welcomed by the digital asset sector.
Howie Lim gets insights from Gerald Goh, co-founder and CEO Singapore of Sygnum
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:06 What exactly is a stablecoin
03:20 Stablecoins’ role in the larger ecosystem
06:37 Stablecoin market expanding
09:19 The growing need for regulation
12:43 Should investors look into stablecoins?
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Gerald Goh, co-founder and CEO Singapore of Sygnum
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
How will the markets be in 2024 and where should we park our money in order for the markets to treat us well?
Howie Lim gets insights from Hugh Chung from Endowus, Phil Waters from OANDA and Daniel Peris from Federated Hermes.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:03 Implications of the Fed's recent pause in rate hikes
07:12 How retail investors should position themselves
09:32 Outlook for US markets
11:11 Outlook for global markets
13:52 Sectors to look out for
Written, hosted and produced by: Howie Lim (howielim@sph.com.sg)
With Hugh Chung, chief investment advisory officer from Endowus, Phil Waters, CEO, APAC & Emerging Markets from OANDA and Daniel Peris, senior portfolio manager at Federated Hermes.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
The liquidity of gold is arguably on par with some of the major global currency debt and equity markets, such as the S&P 500. Does this mean in 2024 we should put our money in gold jewellery or gold ETFs? Howie Lim gets advice from Robin Tsui of State Street Global Advisors SPDR.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:56 Gold’s performance in 2023
02:16 Gold continues testing record highs
06:15 The ultimate diversifier
07:44 High liquidity not compromised
10:48 Outlook for 2024
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is there still a place in your portfolio for real estate and property investments? Can real estate investing still help you build wealth in 20204? Howie Lim gets insights from Paul Tostevin and Alan Cheong from Savills, Lee Nai JIa from PropertyGuru Group and Benny Ong from I Quadrant.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:12 Outlook for property investment in 2024
05:00 Real estate market presents wealth building opportunities
09:56 Property still has a place in portfolio
13:15 Where the opportunities are
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Lee Nai Jia, head of real estate intelligence, data and software solutions, PropertyGuru Group, Paul Tostevin, head of Savills world research, Alan Cheong, head of research Singapore at Savills and Benny Ong, co-founder, I Quadrant.
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim
Engineered by: Howie Lim
A podcast BT Podcasts, The Business Times, SPH Media
—
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Why let fear stop you from retiring early, from being financially free or salary independent? Fear of investing is something you can overcome.
Howie Lim gets insights from Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:22 Fear of losing money
06:12 Fear of picking stocks
08:59 Fear of trust
13:00 Fear of not having enough to invest
15:48 Fear of not enough time
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
The world economy is expected to grow by 3.0% in 2023, before slowing down to 2.7% in 2024. But that doesn’t mean your investments should slow too.
Howie Lim finds out how dividend investing could help from David Kuo, The Smart Investor, Josh Duitz, abrdn and Howard Silverblatt, S&P Dow Jones Indices.
Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:20 Dividend investing’s continued growth
06:57 Why these companies can increase dividends
10:07 How to choose the right company
14:14 Dividends will continue to make records
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With David Kuo, co-founder, The Smart Investor, Josh Duitz, head of global income, abrdn and Howard Silverblatt, senior index analyst, S&P Dow Jones Indices
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us at:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With stigma still surrounding personal loans, is it ever a good idea to take out a loan? Did you know just applying for a loan will hurt your credit score and how can you tell if a loan offer is legitimate? Howie Lim gets insights from Bryan Chan of Providend and Nima Karimi from Lendela.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:52 Is taking a loan ever financially wise?
03:10 Challenges getting a loan
05:30 Steering clear of debt traps
09:22 Legitimate loan offers vs. scams and predatory lenders
10:24 Safeguarding your credit score
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Bryan Chan, client advisor, Providend and Nima Karimi, CEO of Lendela
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
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Website: bt.sg/moneyhacks
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
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Are whiskey investments worth looking into in volatile times? Are they a lucrative alternative investment? What’s the difference between bottle and cask/barrel investing?
Howie Lim gets insights from Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
02:25 Inflection point in whiskey investing
04:27 Cask/barrel vs. bottle investing
08:10 Should whiskey drinkers invest?
11:19 Is whiskey worth investing in?
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Is investing during a recession a good idea? Can it be rewarding? How do we fight natural instincts to become more conservative because the best investments may not be what we expect?
Howie Lim gets insights from Francis Tan, investment strategist at UOB Private Bank’s chief investment office.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:02 Market developments to watch
03:36 What approach to take in uncertainty
05:10 The balance between risk and returns
06:58 Assets and products to consider
08:38 Passive or active investing?
11:10 Discretionary investing
13:33 Markets are always uncertain, what to do?
More about:
UOB’s Risk-First Approach
https://str.sg/iwaU
UOB SimpleInvest
https://str.sg/iwaw
Rethink Your Wealth, UOB’s personal finance series
https://str.sg/iwai
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Francis Tan, investment strategist at UOB Private Bank’s chief investment office.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
—
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Financial stability, financial independence, financial abundance, financial freedom! The terms just get more complicated or is it just semantics?
Does one mean the other and how can we get there?
Howie Lim gets insights from Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research at Singlife.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:20 Differences and similarities between financial freedom and abundance
05:01 Concerning findings from the Financial Freedom index
12:07 Opportunities and bright sparks during market volatility
15:12 Protect your wealth!
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research, product, proposition at Singlife.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With inflation seemingly persistent and global economic conditions looking like they could worsen, how do we steel ourselves to stay invested? Stay invested we must because who wants to be a loser? Howie Lim gets insights from Samuel Rhee, Chairman and CIO at Endowus.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:13 In or out in this current climate?
03:38 In, even when markets dive
08:11 Beating inflation is possible
12:07 Inflation and recession beating strategies
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Samuel Rhee, Chairman and CIO at Endowus
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Salary independence, active investing, FIRE. How can we be sure any of them work to get us to financial independence? Howie Lim gets the skinny from Sabrina Gan, Fidelity International’s Head of Southeast Asia and Country Head of Singapore.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:48 Passive vs. active investing debate moot?
03:02 Is active investing required to retire well?
05:06 How active investing better enables financial security
08:03 Goals determine mix of assets and strategies
10:37 More wealth building hacks
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Sabrina Gan, Fidelity International’s head of Southeast Asia and country head of Singapore
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
With the debate between savings and investing, which is a better choice to grow our wealth? What are some factors to consider? Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend share their insights and tips with Howie Lim.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:02 Chris Tan and Karl Franks’ take on savings vs. investing
02:56 Investing IS simple, just not easy
05:52 Productive and unproductive debt
08:12 Investing helps you STAY rich
12:25 Not rocket science but many simple things working together
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: bt.sg/btmoneyhacks
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
Google podcasts: bt.sg/oeGP
Website: bt.sg/moneyhacks
Feedback to: btpodcasts@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: bt.sg/btmark2mkt
WealthBT at: bt.sg/btwealthbt
PropertyBT at: bt.sg/btpropertybt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Branded Podcasts at: bt.sg/brpod
BT Lens On: bt.sg/btlenson
See omnystudio.com/listener for privacy information.
Private equities, real estate, digital assets, collectibles are some of the alternative assets that are missing in our investment portfolio. How can we achieve a balanced portfolio, including alternatives in the current environment? Howie Lim gets insights from Kelvin Lee, Co-founder and CEO of Alta.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:08 Alternative assets as hedge against inflation
05:44 Effect of current environment on alternatives
09:24 Portfolio diversification and allocation of alternatives
12:10 Potential opportunities in alternatives
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Kelvin Lee, Co-founder and CEO, Alta
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at: https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Winning the lottery may feel like a pipe dream. But the salary independence it gives is more attainable than you think. Imagine not requiring a paycheck from your boss. Howie Lim uncovers the possibilities with David Kuo, co-founder of The Smart Investor.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:42 What is salary independence?
02:38 Savings vs investing
06:15 Path to salary independence
11:22 Stock picking to achieve investment growth
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With David Kuo, co-founder, The Smart Investor
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at: https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
One has been an economic force for some time, and one is poised to be one of the fastest growing major economies over the next decade. But where should you put your money? Howie Lim finds out from Daryl Ho, senior investment strategist at DBS’ chief investment office.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
00:53 IMF GDP forecast for the two giants
03:03 Long term drivers of the two economies
08:44 Other factors to consider before investing
13:16 Timelines & expectations on investment return
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Daryl Ho, senior investment strategist, DBS chief investment office
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at: https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Retirement inadequacies? Bonds not keeping pace with inflation? That yield curve staying below 5%? Howie Lim finds the answers to these questions with financial experts in this episode.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:04 Retirement inadequacy worry
04:27 Tighter rein on budgets
08:40 Can the yield curve come up to 5%?
12:07 Bonds outpaced by inflation worry
14:34 What experts worry about
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Mahin Gupta, co-founder of Liminal, Hugh Chng, chief investment advisory officer at Endowus and the regional head of digital sales at Saxo APAC, Chris Lum.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at : https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Is now the time to go back into digital asset investing? But is regulation going to ramp up so the space is less volatile? And just because the arguably most stable digital asset is regaining ground, does it mean the winter is over? Howie Lim speaks to Justin Lim, Director of Business Development, Liminal for more insights.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights:
01:36 What caused stable coins’ rally?
03:36 Singapore and Hong Kong driving interest in global digital assets
06:01 What kind of boom could be imminent?
10:10 Will regulation dampen sentiment?
12:19 How to poise for growth
Written and hosted by: Howie Lim
With Justin Lim, Director of Business Development, Liminal
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts, The Business Times, SPH Media
Follow BT Money Hacks podcasts every first and third Monday of the month:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at: https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Don’t be fooled by some of these money myths. And what can you do if you have been?
Howie Lim, correspondent at the Business Times gets insights from David Kuo from The Smart Investor, Adam Reynolds from Saxo Capital Markets, Christopher Tan from Providend and David Fergusson of Hugo.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights:
00:52 Myth #1 - Timing the market
03:50 What you should be doing
06:56 Myth #2 - I have a budget, I know what I’m doing
09:12 Myth #3 - Property prices always go up
12:21 Myth #4 - The lousy investment will recover….eventually
Written and hosted by: Howie Lim
With David Kuo, co-founder, The Smart Investor, Adam Reynolds, CEO, Saxo Capital Markets Singapore, Christopher Tan, CEO, Providend and David Fergusson, CEO and co-founder, Hugo.
Edited by: Howie Lim & Claressa Monteiro
Recording engineer: Joann Chai Pei Chieh
Produced by: BT Podcasts
Follow BT Money Hacks podcasts every first and third Monday of the month:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at : https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Analysts feel 2022’s turmoil may lead to potential opportunities in alternatives over the coming 12 to 24 months and beyond. But which alternatives, exactly? Correspondent Howie Lim speaks to Trevor Xie, CEO of Conservation Capital for more insights.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Highlights of the conversation:
01:20 Rising demand for ‘2nd-hand’ policies
03:11 Not the same as ILPs
08:36 The pros and cons
10:50 Market trends and outlook for the sector
Written and hosted by: Howie Lim
With Trevor Xie, CEO, Conservation Capital
Produced by: Howie Lim & Claressa Monteiro
Engineered by: Howie Lim & Joann Chai Pei Chieh
Follow BT Money Hacks podcasts every first and third Monday of the month:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at : https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
How do we keep emotions out of investment decisions, especially during uncertain times? And is having emotions when investing really so bad? Correspondent Howie Lim speaks to Stephanie Leung, chief investment officer of StashAway for more insights.
Highlights of the conversation:
00:55 How to keep emotions in check
02:52 Distinguishing between noise and information
05:29 Don’t look!
10:39 Beware biased information
13:35 High growth areas to consider
Written and hosted by: Howie Lim
With Stephanie Leung, chief investment officer of StashAway
Produced by: Howie Lim & Claressa Monteiro
Engineered by: Howie Lim & Joann Chai Peh Chieh
Follow BT Money Hacks podcasts every first and third Monday of the month:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at : https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
What’s good debt? And could what happened to Silicon Valley Bank happen to you? And building a solid financial plan isn’t so daunting these days. Howie Lim speaks to Laurent Bertrand, CEO and co-founder of BetterTradeOff for his insights.
Highlights of the conversation:
01:19 Misconceptions about financial freedom
04:10 How to factor in volatile times
06:14 Why people still don’t invest
09:10 How to avoid what happened to SVB
13:21 Good debt
Written and hosted by: Howie Lim
With Laurent Bertrand, CEO and co-founder, BetterTradeOff
Produced by: Howie Lim & Claressa Monteiro
Engineered by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month:
Channel: https://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
BT Branded Podcasts at : https://bt.sg/brpod
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
How can we capitalise on China’s recovery? Its manufacturing activity expanded at the fastest pace in more than a decade in February but its all-or-nothing stock market iseems to be momentum. So in or out? Correspondent Howie Lim speaks to Samuel Rhee, Chairman and Chief Investment Officer of Endowus to find out.
Highlights of the conversation:
01:13 State of Chinese economic recovery
02:53 China not a free market
04:43 Reversal of fortunes
07:07 Risks to look out for
09:40 Opportunities still exist
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Has Budget 2023 provided enough to blunt the impact of rising prices? And shouldn’t we not rely too much on hand outs anyway? Correspondent Howie Lim speaks to David Fergusson, CEO and co-founder of Hugosave for more insights
Highlights of the conversation:
00:50 How much Budget 2023 helps optimise financials
02:39 Budget and the ‘coping’ class
04:08 Beyond economising
08:14 What the risk averse can do
10:56 Bête noire; what to avoid
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Discover more BT podcast series:
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
So we’ve had to first tighten our belts, then hedge against inflation and now recession-proof. Shouldn’t be too hard, right? Correspondent Howie Lim finds out from David Kuo, co-founder of the Smart Investor.
Highlights of the conversation:
0
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Who isn’t looking for earnings resiliency in the face of an uncertain economic environment? And what’s happened in the fixed income market and as well as the diversified nature of ETFs could now offer better income generation! Correspondent Howie Lim gets more insights from Salim Ramji, global head of iShares and index investments at BlackRock.
Highlights of the conversation:
03:54 Digitalisation has upped ETFs’ game
05:59 Be sure to look for lowered fees
08:31 Most important metric when choosing ETFs
09:48 Which ETFs might do well in 2023?
13:19 Value investing, not growth for 2023
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
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WealthBT at: http://bt.sg/btwealthbt
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BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips as correspondent Howie Lim interviews experts in their fields.
As property prices remain high in 2023, according to some experts, real estate investors will be left looking for alternative investing outside of traditional property ownership, like fractional property investing. Find out which sectors are now within your reach as Howie Lim speaks with Keith Ong, CEO and co-founder of RealVantage.
Highlights of the conversation:
01:10 How property market fared in 2022
02:54 Difference between fractional investing and tokenisation
04:41 Benefits of fractional investing vs REITS
08:56 Pitfalls to avoid in fractional property investing
13:00 Sectors to look into in 2023
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
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WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Many asset classes took a beating in 2022 but look poised to make a comeback. Which ones will help you fortify your portfolio against possible recessionary pressures in 2023? Correspondent Howie Lim speaks to Daryl Ho, Senior Investment Strategist at DBS’ chief investment office to find out.
Highlights of the conversation:
01:11 Will market trends of 2022 reverse themselves?
02:11 Asset classes which suffered in 2022
04:31 The one thing to focus on in 2023
06:17 Flexibility in your portfolio
09:20 What to back in 2023
11:30 Value tech and Chinese equities
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
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PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
What is wrong with cryptocurrency? Or is it the players and ecosystem? How affected were you by the collapse of FTX and is there recourse for your loss? Correspondent Howie Lim speaks to Wayne Huang, co-founder and CEO of XREX to find out.
Highlights of the conversation:
01:07 Cryptocurrency in 2022
03:37 The main issue with FTX’s collapse
08:33 How much will regulation help?
10:46 Balancing decentralisation and safety of customer assets
12:30 Recourse for customers hurt by FTX collapse
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
What are the hot investment trends for 2023 and how were they shaped by one of the most punishing years for investors: 2022? Correspondent Howie Lim chats with Kelvin Tay, UBS global wealth management's regional CIO and adjunct associate professor at the Wealth Management Institute, NTU.
Highlights of the conversation:
01:23 No surprises: few sectors did well
02:25 Growth vs Value investing
04:58 Loss making tech stocks bore the brunt
07:00 Do investors abandon ‘the plan’?
09:05 The ONE piece of advice for 2023
10:53 Bright spots for 2023
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
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Discover more BT podcast series:
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
With everyone staring down the barrel of inflation these days, how can we protect our portfolio returns? What should we be investing in to beat inflation? Correspondent Howie Lim speaks to co-founder of the Smart Investor, David Kuo to find out.
Highlights of the conversation:
01:18 Who benefits from inflation?
05:05 Focus on stock market and companies which can increase prices
06:53 Continue to invest
09:01 Inflation and recession should NOT change your strategy
13:05 How to outperform inflation
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
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BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
How can you make sure you don’t suffer ‘lost earnings’ from having to take time off work to recover from an illness? And how affordable is critical illness coverage in this inflation-riddled environment?
For more insights, correspondent Howie Lim speaks to Colin Chan, managing director for group marketing at Great Eastern.
This episode is brought to you by Great Eastern.
Highlights of the conversation:
01:53 The concerning critical illness insurance gap
04:44 The lingering misconceptions debunked
08:31 Affordability of C.I. plans
09:56 C.I. coverage continues to evolve
12:19 How to reframe the message
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
More about:
Great Eastern
https://www.greateasternlife.com/sg/en/about-us.html
Critical Illness Coverage
https://www.greateasternlife.com/sg/en/personal-insurance/our-products/health-insurance/great-critical-cover.html
How to donate
www.giving.sg/campaigns/SCS_Return_to_Role_Programme
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Wines’ clear capital preservation across the pandemic and its outperformance in 2021 may mean wine could very well be your hedge against inflation. But how’s it been doing so far in 2022 and will these volatile times have an adverse effect?
Correspondent Howie Lim speaks to Anthony Zhang, co-founder and CEO of Vinovest to find out.
Highlights of the conversation:
01:53 Collectible, age-worthy and investment grade wines
06:20 A ‘wasting’ asset?
08:08 Collecting for passion vs. profits
09:09 Wine prices outpacing inflation
12:12 Outlook for wine investing is good
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Which collectibles don’t suffer in higher-inflation regimes? Many have become lucrative in recent years but only some are good hedges against inflation.
For more insights, correspondent Howie Lim speaks to Nannette Hechler-Fayd’herbe, Chief Investment Officer for the EMEA region and Global Head Economics & Research of Credit Suisse.
Highlights of the conversation:
02:04 Collectibles not just for the wealthy
03:30 Impact of inflation on collectibles
06:35 Importance of categorisation; some categories don’t respond to inflation
11:23 Invest for passion or profits?
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Discover more BT podcast series:
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BT Market Focus at: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Rare and collectible cars are growing in value, with indices in an all-time high territory. But can you actually make money off of your ‘old jalopy’ and are cars good hedges against inflation?
For more insights, correspondent Howie Lim speaks to Julian Kho, editor at Sgcarmart.
Highlights:
01:38 Investing in cars a double edged sword
04:40 Trends in the space: modern classics taking off
06:39 What investors can do to maintain value of car
09:57 Do NOT drive your investment; mint condition is key
12:06 What exactly to invest in
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim and Claressa Monteiro
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
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BT Market Focus at: http://bt.sg/mktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Which wealth management models are outdated and how can the mass affluent ‘move with the times’ and get the proper advice we deserve? Correspondent Howie Lim speaks to Adam Reynolds, CEO, Saxo Markets Singapore to find out.
Highlights of the conversation:
01:29 Which wealth management models are obsolete?
04:21 Why an individualised plan is important
05:16 How feasible the ‘individualised’ model is
08:08 Drawbacks of robo advisors
09:55 Outlook for 2H 2022
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
Discover more BT podcast series:
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BT Market Focus: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
The art market consistently returns 7.6% to investors and contemporary art investments have outperformed the S&P 500 over the last 25 years. But investing in fine art carries big risks. Artwork does not generate any ongoing cash flows, like interest payments or dividends. So is art investing now a good hedge against inflation?
For more insights, correspondent Howie Lim speaks to Wendy Fang and Yi Ziwei, specialists, 20th & 21st Century Art Department, Christie’s Asia Pacific
Highlights of the conversation:
01:51 Why art investing is challenging
02:51 Major trends in art investing
07:44 Blue chip art and artists
09:24 Fractional art investing
11:48 NFTs the most lucrative?
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Discover more BT podcast series:
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PropertyBT at: https://bt.sg/btpropertybt
BT Market Focus: http://bt.sg/btmktfocus
BT Podcasts at: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Studies have shown over and over again that actively managed funds almost always underperform passive investments in the long run. In this episode, we’ll try to settle the long debated argument of ETFs vs Mutual Funds, although we’re well aware there’s no straightforward solution to this and joining us with his insights: Samuel Rhee, Chairman and Chief Investment Officer of Endowus.
Highlights of the conversation:
01:38 Important differences between ETFs and mutual funds
05:36 Why accessibility and income generation the most important factors
08:00 Have macro factors changed the game?
10:29 Not a zero sum game between competing products
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
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BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
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BT Podcasts at: https://bt.sg/pcOM
BT Market Focus: http://bt.sg/btmktfocus
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
For more insights, correspondent Howie Lim speaks to Ashli Koe and Raphael Ng, fund managers, Salzworth Asset Management.
Highlights of the conversation:
02:15 Misconceptions about FX trading
04:13 Tips for newbie forex traders
09:30 Past performance doesn’t guarantee future returns
11:29 Tips for experienced forex traders
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
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Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
The pandemic, current market conditions of sky high inflation, geopolitical tensions and supply chain issues have decimated many people's savings and a demographic particularly affected is the sandwich class: adults who have to care for dependent children and ageing parents, usually at the expense of their own financial health. How can they revitalise their retirement savings?
For more insights, correspondent Howie Lim speaks to Elson Goh, head of Asia portfolio management, St James Place.
Highlights of the conversation:
02:15 Financial achievements of Gen S affected by supporting parents
05:45 Factors affecting value of money and savings
07:40 How to hedge against inflation: beware cash drag
09:00 Know your risk appetite and diversify
11:00 Equities a key driver to long term growth
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
After a very rocky May 2022 of trading, the cryptocurrency market ended on a high note. But, the crypto market environment will likely remain challenging in June 2022.
Cryptocurrency prices have been under major pressure since the beginning of 2022. So how can you navigate this environment and should you even go in now?
For more insights, correspondent Howie Lim gets comments from Wayne Huang, CEO and co-founder of XREX and Sten Ivan, Head of Growth, Hodlnaut.
Highlights of the conversation:
03:59 Why institutional investors are pressing on with crypto
05:24 The impact on retail investors and what to do
10:00 Crypto still a viable investment, if you know what you’re doing
11:27 How much to put in and why
12:52 Regulation is on its way
Produced by: Howie Lim (howielim@sph.com.sg) and Claressa Monteiro
Edited by: Howie Lim
Follow BT Money Hacks every first and third Monday of the month:
Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Decentralized finance or DeFi can be thought of as open source finance which is truly owned by no one. And it has been known to give returns of up to 20-30%! But to truly understand what you’re investing in and make big money requires effort at this nascent stage.
For more insights correspondent Howie Lim speaks to Kenneth Lou, co-founder and CEO of Seedly.
Highlights of the conversation:
02:42 Basic premise of DeFi and DeFi vs TradFi
03:38 How to get ahead in DeFi’s current nascent early stage
06:37 How to identify lucrative DeFi projects to invest in
08:25 Is DeFi underpriced or overpriced?
09:25 The volatile nature of decentralised applications
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
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Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Thanks to the current environment, millennial and Gen-Z investors - projected to inherit US$48 trillion of wealth over the next 25 years, are facing the daunting challenge of securing their own retirements. So what can this generation do and how would understanding their behaviour make institutions better able to cater to their needs?
For more insights, correspondent Howie Lim speaks to Carol Fong, Group CEO of CGS-CIMB Securities.
Highlights of the conversation:
01:12 Why millennials are behind other generations in retirement savings
04:17 Why millennials eschew ‘traditional’ advisors
06:30 Top 5 tips for millennials to jumpstart their retirement savings
09:45 Why just relying on advice from social media is risky
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
Cryptocurrency, DAO, DeFi, NFT, blockchain, metaverse: these terms have been bandied about for some time but do they all fit under the Web3 umbrella?
So what are these strange new investment opportunities and should we maybe get some?
For more insights, correspondent Howie Lim speaks to Ryan McNamara, Web3 and crypto editor of Benzinga.
Highlights of the conversation:
01:30 True data and digital ownership
04:20 Invest in Web3 now or later when it’s mainstream?
08:40 What investing in Web3 really means
10:40 Beware the reflection fee
15:50 Why investing in Web3 is worth it
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
From private equity to whiskey, real estate to haute couture, how important is the definition of alternative investments since it’s increasingly becoming grayer? And how is their value holding up in this inflation riddled environment? Correspondent Howie Lim speaks to Daryl Ho, senior investment strategist, chief investment office, DBS to find out.
Highlights of the conversation:
01:00 Define alternative investments as what they’re NOT
02:20 Rising interest in alternatives
04:50 HNWIs allocating more, should regular investors too?
06:15 Biggest risks of alternatives
11:15 Do we really need alternatives?
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
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Spotify: http://bt.sg/oeGN
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SPH Awedio app: https://www.awedio.sg/
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
What can high-income earners do in coming tax seasons and can we expect further tax hikes in the near future? In this episode of Money Hacks, correspondent Howie Lim speaks to Tan Ching Ne, partner specialising in tax, PWC Singapore to find out.
Highlights of the conversation:
01:10 Taxes and spending are two sides of the same coin
03:00 Higher property taxes as principle means of taxing wealth
04:00 What high income earners can do
07:30 Singapore tax regime still competitive
11:25 Taxes WILL rise more in the near future
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: https://bt.sg/btmoneyhacks
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Google podcasts: http://bt.sg/oeGP
Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT at: http://bt.sg/btwealthbt
PropertyBT at: https://bt.sg/btpropertybt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this episode of Money Hacks, correspondent Howie Lim speaks with Robin Lee, CEO and co-founder of HelloGold who gives his rather unconventional take on gold.
Highlights (click/tap above):
01:10 Why Warren Buffet is wrong about gold
02:45 ‘Safe haven’ an Anglo Saxon concept?
04:50 Gold’s inherent attraction: it goes through cycles
06:50 Beware the short lived ‘flight to safety'
07:40 Type of gold products to get into
Produced by: Howie Lim (howielim@sph.com.sg) and Christopher Lim
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
SPH Awedio app: https://www.awedio.sg/
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast: http://bt.sg/btmark2mkt
WealthBT Podcast: http://bt.sg/btwealthbt
PropertyBT Podcast: https://bt.sg/btpropertybt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 113th episode of Money Hacks, correspondent Howie Lim speaks to Ethan McMahon, an economist from Chainalysis, on whether non-fungible tokens (NFTs) are a viable investment instrument.
Highlights (click/tap above)
01:15 Are NFTs speculative?
03:55 Can the NFT market get any hotter?
05:25 Yet explored NFT-use cases
07:45 How to navigate this volatile market
08:30 What regulation to expect in 2022
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
SPH Awedio app: https://www.awedio.sg/
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 112th episode of Money Hacks, correspondent Howie Lim speaks to Daryl Ho, senior investment strategist, chief investment office, DBS, about the investment outlook for 2022 and how a robust portfolio can weather uncertainty.
Highlights (click/tap above):
01:22 Top issue of concern when investing in 2022
02:27 Time IN the market is still your best bet
05:08 Difference in speed of policy tightening across the globe
07:22 Is a transitional global economy the perfect opportunity?
11:27 Deploy cash and build resilient portfolios
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
SPH Awedio app: https://www.awedio.sg/
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 111th episode of Money Hacks, BT correspondent Howie Lim speaks to Cathy Hackl, chief metaverse officer of the Futures Intelligence Group about lucrative investment opportunities in the metaverse and how to navigate this growing space.
Highlights (click/tap above):
03:20 Why invest in the metaverse
05:12 Is the metaverse for the risk averse?
10:27 Whether one’s location makes a difference when investing in the metaverse
14:23 Metaverse investment outlook for 2022
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
SPH Awedio app: https://www.awedio.sg/
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 110th episode of Money Hacks, correspondent Howie Lim speaks to Christopher Tan, founder and CEO of Providend about whether you can DIY estate planning and the common mistakes to avoid.
Highlights of the conversation: (click/tap above)
02:16 Common deterrents to estate planning
04:30 The step by step to estate planning: Create, preserve and distribute your wealth
07:55 Only some parts of estate planning should be done yourself
10:39 New digital trust for CPF savings which addresses members’ concerns
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
SPH Awedio app: https://www.awedio.sg/
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 109th episode of Money Hacks, correspondent Howie Lim speaks to co-founder of Sophia and gender lens investor, Tanya Rolfe about closing the gender investing gap through education, especially since women investors thrash their male counterparts.
Highlights (click/tap above)
02:20 Why women fear investing (including comments from Leanne Robers, co-founder of She Loves Tech on the wealth gap)
07:30 Although financial education is not gender-based, why education efforts need to be women-centric
10:33 Why women investors do better than men, but why fewer women invest
12:50 What female founders can do to close the gender investing gap (including comments from Ee Ling Lim, head of Apac business development, 500 Global)
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 108th episode of Money Hacks, correspondent Howie Lim speaks to Evie Zhang, co-founder and CEO of Coinomo about cryptocurrency’s outlook for 2022 and beyond, and also whether non-fungible tokens should factor in your portfolio as well.
Highlights of the conversation (click/tap above):
01:29 Outlook for cryptocurrencies in 2022 (including comments from Simon Guidecoq, CEO of Asia Pacific, Singapore HQ, Healy Consultants)
08:30 Top pros and cons of investing in cryptocurrencies
11:25 Are cryptocurrencies even ‘green’?
12:36 How to safeguard your digital assets
15:36 The case for non-fungible tokens
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: http://bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 107th episode of Money Hacks, BT correspondent Howie Lim speaks to Victor Wong, senior director, head of UOBAM Sustainability Office, UOB Asset Management about how ESG investing can make money but greenwashing needs to be top of mind. This episode is brought to you by UOBAM: https://www.uobam.com.sg/index.page
Highlights of conversation (click/tap above):
1:23 Are Singapore investors more ‘woke’ now?
3:27 Responsible investing and ESG still hard to define
6:34 The benefits of including ESG in investors’ portfolios
9:06 How investors can be assured they’ll always reap those benefits
10:36 The importance of understanding the motivations behind ESG investing and how to measure its success
12:19 Tracking developments in other regions with regard to finance greenwashing and how to combat it
14:18 How to make sure your investments are really helping the planet as espoused
More about:
The APAC Green Reit ETF:https://www.uobam.com.sg/sustainability/solutions/uob-apac-green-reit-etf.page
Sustainability Insights: https://www.uobam.com.sg/insights/thinking-sustainably.page
UOBAM’s sustainability commitment: https://www.uobam.com.sg/sustainability/index.page
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's 106th episode takes a deeper look into Buy Now Pay Later platforms. How risky are they for consumers and will regulation really help? Correspondent Howie Lim speaks with Lim Kell Jay, Head of Grab Financial Group Singapore.
Highlights of the conversation: Concerns raised with regard to BNPL platforms (1.23) How the sector is dealing with negativity surrounding BNPL platforms (3.40) How possible regulation will affect the BNPL sector here (7.35) Advice for consumers when using BNPL platforms (8.36)
Produced by: Howie Lim, Ernest Luis and Lee Kim Siang
Edited by: Howie Lim & Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
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Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 105th episode of Money Hacks, BT correspondent Howie Lim speaks to Koh Hwee Joo, senior director, Sustainability Office at UOB Asset Management, about how doing good doesn’t mean sacrificing returns these days with ESG investing. This episode is brought to you by UOBAM - https://www.uobam.com.sg/index.page
Highlights of the conversation:
Why investors should consider ‘profit with purpose’ portfolios (1:10)
What makes it sustainable investing and how to get started (3:09)
Combating naysayers’ claims that financial concerns are a secondary consideration after investors’ moral values (5:43)
Singapore's ESG fund scene and how accessible it is to investors now (7:42)
Call for greater transparent measurement and disclosure of sustainability performance (9:34)
Recognising greenwashing and metrics used to assess ESG factors (10:42)
Getting the sceptical and unaware to be more involved in ‘profit with purpose’ investing: the proof in the pudding (11:58)
More about:
United Smart Sustainable Singapore Bond Fund - https://www.uobam.com.sg/sustainability/solutions/united-smart-sustainable-singapore-bond-fund.page
Sustainability Insights - https://www.uobam.com.sg/insights/thinking-sustainably.page
UOBAM's sustainability commitment - https://www.uobam.com.sg/sustainability/index.page
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis and Lee Kim Siang
Edited by: Howie Lim and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
In this 104th episode of Money Hacks, correspondent Howie Lim speaks to Morgan Terigi, CEO and co-founder of Incomlend about how cash-strapped SMEs can access diversified sources of working capital, especially during these challenging times.
Highlights of the conversation: SMEs’ lack of access to working capital as Government support schemes ease (1:15) Why SMEs should consider non-recourse financing options, though it’s riskier for lenders (4:00) Other alternative and suitable financing options for SMEs (7:26) How ESG can be an accelerator for an SME’s growth (11:27)
Produced by: Howie Lim, Ernest Luis and Lee Kim Siang
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's 103rd episode explores whether it’s ever too late to start planning for retirement and what you can do if you’re 60 and haven’t.
Correspondent Howie Lim speaks with Jay Phua, Financial Services Director at Great Eastern.
Highlights of the conversation: The common misconceptions surrounding retirement planning (1:49) Is it too late for a 60-year old to start planning for retirement? (4:55) Is reducing equity exposure when nearing retirement a good idea? (8:05) Unique hurdles to financial planning women face (9:51) Survey results: Biggest regrets when retirement planning according to respondents (11:43)
Produced by: Howie Lim and Ernest Luis
Edited by: Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's episode helps you understand the reasons behind the changing regulatory climate in China and how to act on them while taking fewer risks, brought to you by OCBC Securities: www.iocbc.com
BT's digital editor Chris Lim hosts Lim Yuin, chief investment strategist from Lion Global Investors, and Darren Tan, head of fixed income, Structured Products and ETFs at OCBC Securities.
They explain the following: Why the Chinese market could surpass the US by 2026; Alibaba v Amazon an example of Chinese growth potential (1:00) Sectors to monitor for long-term potential despite Chinese regulatory tweaks (3:02)
Know common key barriers for Singapore-based investors when it comes to Chinese investments; overcome them safely and easily (3:52)
How investors can avoid common pitfalls with easy-to-use basket options such as the Lion-OCBC Securities China Leaders ETF (5:58)
Main pros and cons of DIY investing at one extreme vs simply buying an ETF at the other extreme? (8:24)
How geographic diversification can strengthen a Singapore-based investor's portfolio (9:52)
Lion-OCBC Securities China Leaders ETF: www.iocbc.com/chinaleaders
OCBC Securities: www.iocbc.com
Lion Global Investors: https://www.lionglobalinvestors.com/en/index.html
Produced by: Chris Lim & Ernest Luis
Edited by: Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. An investor should read the prospectus that can be attained from www.iocbc.com before deciding whether to subscribe for or purchase units in the ETF. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Discover more BT podcast series:
BT Mark To Market Podcast at: http://bt.sg/btmark2mkt
WealthBT Podcast at: http://bt.sg/btwealthbt
BT Podcasts at: https://bt.sg/pcOM
For more on personal finance, go to: https://bt.sg/moneyplaybook
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's 101st episode explores whether there are too many financial advisers in Singapore and if we actually need them. Is it possible to take care of your own financial planning?
Correspondent Howie Lim speaks with Wayne Chen, founder and CEO of GoalsMapper, a financial planning software that combines technology with the experience of financial consultants.
Highlights of the conversation: The implications of too many financial advisers (2:30) If it’s possible to do your own financial planning (3:35) What a DIY plan looks like (6:30) The need for more ethical, upstanding and trustworthy financial advisers (8:36) How technology can aid the financial planning process (10:55)
Produced by: Howie Lim (howielim@sph.com.sg), Ernest Luis & Fa'izah Sani
Edited by: Hadyu Rahim and Howie Lim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's monumental 100th episode looks at the importance of investing the extra cash you have, instead of saving too much. You could actually lose money if you just allow it to do nothing.
BT's digital editor Chris Lim and his new co-host - correspondent Howie Lim - speak with David Kuo, co-founder of The Smart Investor. Chris and some listeners also tell us what they learnt from crucial episodes along the way to this 100th episode of Money Hacks.
Highlights of the conversation: Chris talks about his favourite Money Hacks episodes (1:58) Start investing now! Lose money if you do nothing and leave your cash idle (4:47) The Rule of 100 and the Rule of 72 in relation to risk aversion (7:42) Low interest rate environment is another reason you should invest (9:25) Your age - more than how much you earn - should dictate how much you invest (11:20) Establish your goal in a proper investing plan and not treat it as a hobby (13:37)
Produced by: Chris Lim (limchris@sph.com.sg), Howie Lim (howielim@sph.com.sg) & Ernest Luis
Edited by: Hadyu Rahim and Howie Lim
Read: Saving too much for rainy day can dampen retirement: https://www.businesstimes.com.sg/banking-finance/money-playbook/saving-too-much-for-rainy-day-can-dampen-retirement
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
For more on personal finance, go to: bt.sg/moneyplaybook
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's episode looks at how many people have set up a part-time business, or side-hustle, especially amid the disruption and uncertainty caused by the Covid-19 pandemic. Understand how to turn your side hustle into a money-making ESG (Environmental, Social, and Governance) business in this episode, brought to you by Withers KhattarWong: https://www.withersworldwide.com/en-gb/
BT's digital editor Chris Lim hosts Helga Angelina, entrepreneur and founder of Burgreens and Green Rebel, in Indonesia.
She explains the following: How her health issues gave her an idea to start her businesses after graduating from college (1:40) Challenges to start a healthy food business in Indonesia as there was initially no mainstream society understanding of plant-based diets there (3:12) Why market education on healthy eating lifestyle, collaborations and invitations by key opinion leaders to public talks, makes a difference (5:00) Step-by-step guide to convert your passion project or beliefs into a real business idea and ESG-driven model (7:40) Find a co-founder who shares the same mission and values (9:17) Advice for budding ESG women entrepreneurs (10:17)
Withers Worldwide: https://bit.ly/3xiTFo0
Produced by: Chris Lim & Ernest Luis
Edited by: Adam Azlee and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's episode looks at what it takes to start a crypto or blockchain-based business. Understand the foundational technology of crypto in this episode, which is brought to you by Withers KhattarWong: https://www.withersworldwide.com/en-gb/
BT's digital editor Chris Lim hosts Pang Xue Kai, co-founder of Tokocrypto, a cryptocurrency exchange based in Indonesia.
He explains the following: What were the key challenges when starting a cryptocurrency exchange? (1:12)
Key challenges faced when starting Tokocrypto in Indonesia, and common challenges overseas (2:10) Being compliant or even overly compliant, to legitimise a crypto exchange and make it mainstream with formative legal regulations (2:42) Key factors you need to know to start a crypto or blockchain-based business in emerging markets (5:05) Relating better to the local people of that market: In Indonesia, how showing that cryptocurrencies has characteristics similar to "digital gold" worked (5:38) Six steps of advice for listeners looking to start a cryptocurrency exchange or crypto-based business (7:35)
Withers Worldwide: https://bit.ly/3xiTFo0
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee and Hadyu Rahim
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
See omnystudio.com/listener for privacy information.
Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's episode looks at how fees can quickly multiply and hurt the bottom-line when businesses deal in multiple currencies via traditional payment rails. Find out why and how multi-currency wallets - for businesses - are one way around it, in this episode brought to you by HSBC: https://www.business.hsbc.com.sg/
BT's digital editor Chris Lim hosts Winnie Yap, managing director and head of Global Liquidity and Cash Management Singapore at HSBC. She explains the following: What are the costs that SMEs face when making cross-border payments by transacting in multiple currencies through traditional payment rails? (1:00) What is a multi-currency wallet for businesses, such as the HSBC Global Wallet, and how can it save time and money? (1:29) Addressing SMEs' concerns about foreign exchange rates (3:05) Does the HSBC Global Wallet work like virtual consumer wallets such as GrabPay? (3:52) What are the risks to businesses that don't embrace new payment options such as multi-currency wallets? (5:52) A step-by-step guide for SME businesses to get started with multi-currency wallets if they want to save time and money (9:05)
HSBC Global Wallet: https://www.business.hsbc.com.sg/globalwallet
HSBC Business Banking for SMEs: https://www.business.hsbc.com.sg/hsbc-sme-business-banking
HSBC Commercial Banking for Singapore: https://www.business.hsbc.com.sg
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/pcOM
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's episode looks at how disability insurance and long-term care aren’t on the radar of many. Find out why this should be on your must-do list during this pandemic, in this episode brought to you by Great Eastern: https://www.greateasternlife.com/sg/en/index.html
BT's digital editor Chris Lim hosts Colin Chan, managing director of Group Marketing at Great Eastern, who explains the following:
Can you ever be too young to worry about disability insurance (1:48) What is a "living" benefit, and why this is key if you have a longer runway of potential needs (2:52) Many young people suffer disabilities caused by accidents and unforeseen circumstances (3:15) Calculating long-term care costs in Singapore (5:50) How a 30-year-old can use CPF Medisave to pay for premiums up to $600 a year, including a yearly cash top-up for higher monthly payout benefits (6:47)
Great Eastern: https://www.greateasternlife.com/sg/en/personal-insurance/thelifecompany.html
Great Eastern’s Live Lifeproof with GREAT CareShield: https://www.greateasternlife.com/sg/en/personal-insurance/our-products/health-insurance/great-careshield/disability-support.html
Great Eastern’s Disability Coverage Calculator: https://www.greateasternlife.com/sg/en/personal-insurance/understand-insurance/financial-tools-to-know-what-you-need/disability-income.html
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
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Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.
This week's episode covers insurance, a risk management fundamental you need to sort out before considering more advanced money hacks. Find out why critical illness insurance is more crucial than ever during this pandemic, in this episode brought to you by Great Eastern: https://www.greateasternlife.com/sg/en/index.html
BT's digital editor Chris Lim hosts Colin Chan, managing director of Group Marketing at Great Eastern, who explains the following: What is critical illness insurance and where it sits in your insurance portfolio (0:44) Understanding the latest multi-pay critical illness plan (3:12) How such a plan can continue to cover you even after you suffer from your first critical illness (4:50) Ensuring continued critical coverage given that illnesses are happening at a younger age (8:30) The percentage top-up premium needed to ensure continued multi-pay critical illness coverage (9:35)
Great Eastern’s Live #Lifeproof: https://www.greateasternlife.com/sg/en/personal-insurance/thelifecompany.html
Great Eastern’s Great Life Advantage with add-on critical illness coverage: https://www.greateasternlife.com/sg/en/personal-insurance/our-products/life-insurance/great-life-advantage.html
Great Eastern’s Critical Illness Cover calculator: https://www.greateasternlife.com/sg/en/personal-insurance/understand-insurance/financial-tools-to-know-what-you-need/critical-illness-cover.html
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
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Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode is aimed at young working adults, on the importance of having some kind of financial plan sooner rather than later, instead of waiting till they have a sizeable sum to invest. It is brought to you by HSBC: https://www.hsbc.com.sg/
BT's digital editor Chris Lim hosts Deepak Khanna, head of wealth products and journeys at HSBC, who explains the following: Why HBSC’s FinFit survey shows that young working adults in Singapore aged 24-39 are weakest in their retirement planning (1:34) How is portfolio rebalancing connected to retirement planning (2:45) Are there tailor-made, personalised portfolios you can stress test against various market scenarios? (4:46) Why a "small" portfolio size should not stop you from reviewing your portfolio annually (6:50) Step-by-step guide for young adults to start meeting their future retirement needs early (8:15) Those who scored high on HSBC's FinFit survey review their finances yearly (12:25)
Find out how FinFit you are from HSBC: https://www.hsbc.com.sg/finfit/
HSBC's financial planning tools: https://www.hsbc.com.sg/financial-planning/
HSBC's Wealth Portfolio Plus, a relationship manager-guided journey: https://www.hsbc.com.sg/wealth/investments/wealth-portfolio-plus/
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts fortnightly on Mondays and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
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Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode plugs the top financial knowledge gaps that some experienced investors may not even know too. It is brought to you by HSBC: https://www.hsbc.com.sg/
BT's digital editor Chris Lim hosts Deepak Khanna, head of wealth products and journeys at HSBC, who explains the following: What are the top 3 financial knowledge gaps and how HSBC's new FinFit online index shows how to close these gaps (0:45) Correcting mismatches between financial product maturity and your own goals, such as university education for your children (2:12) Why not enough people assess their risk tolerance regularly (3:39) Many experienced investors with portfolios larger than S$200,000 are still invested mostly, or even entirely, in equities and bonds. Is that good enough? (6:00) Three steps for investors to build a multi-asset portfolio - with an emphasis on not just broad asset classes but even sub-asset classes (7:50) Fourth step to further diversify your portfolio: How to understand the sustainable investment sector better in 2021 (11:20)
Find out more about:
HSBC's FinFit index and financial coaching tools: https://www.hsbc.com.sg/finfit/
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
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BT Money Hacks Ep 92: Trends for Asia's ESG investing outlook in 2021 and beyond
12:12 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode looks at Environmental, Social, and Governance (ESG) - a growing area of interest for retail investors especially in Asia - and the outlook for ESG investing in 2021 and beyond. It is brought to you by Fidelity International: https://www.fidelity.com.sg/
BT's digital editor Chris Lim hosts Victoria Mio, director for Asian equities at Fidelity International, who explains the following:
Fidelity’s annual global Analyst Survey 2021 shows how Asia (including China) is not far behind the West when it comes to sustainability awareness (1:00) Net-zero carbon emissions: What it means for investors and what factors and values in companies they should look for (3:26) More carbon neutrality progress in utilities and telecom sector companies than within energy sector (6:12) Percentage estimates of companies that will achieve carbon neutrality in coming decades (7:20) How sustainable investors have a role to play in forcing positive change in companies (8:03) Will there be more emphasis on social issues versus the 'E' and 'G' in ESG? (9:10)
Find out more about:
Fidelity International: https://www.fidelity.com.sg/news-and-insights/outlook
Download Fidelity International Analyst Survey 2021 report: https://www.fidelity.com.sg/static/singapore/pdf/article/analyst-survey-2021/fidelity_analyst_survey_2021.pdf
Fidelity International Analyst Survey 2021 site: https://www.fidelity.com.sg/news-and-insights/analyst-survey-2021
Listen to Ep 89 - Key investment themes to act on in 2021: https://str.sg/Jj9K
Ep 90 - Investing in China's market - the case for retail investors: https://omny.fm/shows/money-hacks-1/investing-in-chinas-market-the-case-for-retail-inv
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
See omnystudio.com/listener for privacy information.
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode looks at the case for investing in China in 2021 and beyond. It is brought to you by Fidelity International: https://www.fidelity.com.sg/
BT's digital editor Chris Lim hosts Catherine Yeung, Fidelity International's investment director, who explains the following: China's household consumption, GDP, and pent-up demand (0:42) How retail investors can take advantage of China's domestic demand story (2:12) What China’s tremendous data advantage means (3:15) Investing opportunities: looking outside China’s big-name equities (6:10) Income opportunities: yield from Chinese state-owned enterprises (8:26) Assessing risk in Chinese markets (9:30)
Find out more about:
Fidelity International: https://www.fidelity.com.sg/news-and-insights/outlook
Fidelity's Case For Investing in China: https://www.fidelity.com.sg/Pages/2021-01-06-consumption-continues-grow-importance-outlook-2021-1609903367527
Listen to Ep 89 - Key investment themes to act on in 2021: https://omny.fm/shows/money-hacks-1/2021s-outlook-and-key-investment-themes-to-act-on
Ep 92 - Asia's ESG investing outlook in 2021 and beyond: https://omny.fm/shows/money-hacks-1/trends-for-asias-esg-investing-outlook-in-2021-and
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
BT Money Hacks Ep 90: Achieving passive income and wealth growth amid Covid-19
9:36 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
In this week's episode, we look at strategies for achieving passive income and wealth growth amid Covid-19 and the post-pandemic recovery.
BT's digital editor Chris Lim hosts Luke Lim, managing director at Phillip Securities, brokerage and wealth management arm of PhillipCapital. They discuss the following: Concrete steps to rebuild passive income amid the pandemic and post-pandemic recovery: Which sectors performed? (1:55) Diversify when faced with financial vulnerability, in asset classes, geographical regions and sectors (2:41) What is the "barbell" approach in diversification? Why it is still worth working with a remisier who acts as a trading coach (4:35) Views on single stocks, ETFs and index funds (6:25)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
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BT Money Hacks Ep 89: Key investment themes to act on in 2021
10:36 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode looks at investment themes retail investors can act on in 2021 and beyond. It is brought to you by Fidelity International: https://www.fidelity.com.sg/
BT's digital editor Chris Lim hosts Paras Anand, Fidelity’s Asia-Pacific chief investment officer, who explains the following:
-
Differences in Asian economic strategy when compared with countries in the West (1:00)
-
What concrete steps can retail investors take to act on this outlook? (1:51)
-
With relatively low yields, and arguably overpriced equities especially in the US, should retail investors wait for the market to cool or avoid timing the market and risk missing out on a recovery year? (5:23)
-
What are three key investment considerations for retail investors in this 'new normal' Covid-19 era? (7:30)
-
Beware of false diversification (8:59)
Find out more about:
Fidelity International: https://www.fidelity.com.sg/beginners/learn-about-investing
Fidelity's Global Market Outlook 2021: https://www.fidelity.com.sg/news-and-insights/outlook
Fidelity's Learn About Investing: https://www.fidelity.com.sg/beginners/learn-about-investing
Listen to Ep 91 - Investing in China's market - the case for retail investors: https://omny.fm/shows/money-hacks-1/investing-in-chinas-market-the-case-for-retail-inv
Ep 92 - Asia's ESG investing outlook in 2021 and beyond: https://omny.fm/shows/money-hacks-1/trends-for-asias-esg-investing-outlook-in-2021-and
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow BT Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
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BT Money Hacks Ep 88: Protect digital financial assets and even large amounts such as 1 bitcoin
11:43 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
In this week's episode we look at how you can make the most out of your digital assets while making sure they stay safe and sound.
BT's digital editor Chris Lim hosts Michael Shaulov, CEO and co-founder of digital asset security platform Fireblocks. They discuss the following: Advantages and disadvantages of dealing with digital financial assets and transfers (0:34) How mistakes in basic digital money transfers can be catastrophic (3:20) How retail customers or consumers can ensure safe crypto or digital wallet transactions (5:53) Secure technical steps to protecting digital transactions, even for large amounts such as 1 bitcoin (worth more than S$40,000 as of January 2021) (9:01)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
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BT Money Hacks Ep 87: New digital banking opportunities for consumers, SMEs and micro enterprises
10:58 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
In this week's episode we look at how Singaporean consumers, as well as SMEs and micro enterprises, can benefit from digital banking services.
BT's digital editor Chris Lim hosts Hari Sivan, chief executive and founder of SOCASH, a fintech that allows cash withdrawals from shops instead of ATMs. They discuss the following: What is digital banking? (0:45) How digital banking helps the average consumer when it comes to more choices, as well as lower and transparent costs (1:30) Steps a Singaporean consumer can take to benefit from digital banking services in 2021 and beyond (4:03) Steps small- and medium-sized enterprises (SMEs) or micro enterprises can take, to benefit from, and prepare for, digital banking services in 2021 and beyond (6:33)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
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BT Money Hacks Ep 86: Reasons to avoid ILPs or investment-linked insurance policies
10:53 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
In this week's episode we look at why you might want to avoid an investment-linked insurance policy, or ILP for short.
BT's digital editor Chris Lim hosts Christopher Tan, chief executive of Providend - a financial advisory firm - as they discuss the following: What is an ILP? Understand mortality charges too (0:36) Where does an ILP fit in a person's portfolio, and why shouldn’t someone buy an ILP? (1:34) As you get older, especially from the age of 50, more of your premium goes into paying the mortality charge instead of investments (4:42) If ILPs aren’t the answer for many financial goals, what is a step-by-step approach towards both insurance and investment (7:35)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
BT Money Hacks Ep 85: How to fix money mistakes of the sandwich generation
12:00 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode looks at how to fix the top financial planning mistakes made by the sandwich generation, typically Gen X-ers and Millennials in their 30s and 40s, and who are responsible not only for bringing up their children, but also caring for ageing parents.
BT's digital editor Chris Lim hosts Aviva’s product and marketing director Daniel Lum as they discuss the following: What are the top two financial mistakes being made by the current sandwich generation (2:30) Why people do not take enough risk beyond fixed deposits and bank accounts (4:45) Step-by-step plan to fix these financial mistakes (5:55) How to help your parents with their medical cover, and assess funds that deliver income rather than long-term growth (7:13)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
BT Money Hacks Ep 84: Making sense of the current market with BT's new podcast series
13:53 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode sees podcast editor Ernest Luis hosting The Business Times' digital editor Chris Lim and senior correspondent Ben Paul. They talk about BT's latest initiatives to help readers make better sense of their money, and make better sense of the market during this Covid-19 era.
They discuss the following: More on The Business Times News Tablet Edition, where subscribers will get the Samsung Galaxy Tab S6 Lite (LTE) tablet with S Pen stylus included for S$39.90 a month over 30 months (1:35) Why a password-free experience resonates with BT's readers and why 10-inch tablets are the best way to "read print the new way" (3:20) BT's newly launched Mark To Market Podcast gets off to a good start (8:00) What companies and investors want to know about the market (8:35) What does the term Mark To Market actually mean? (11:30)
Black Friday and Cyber Monday promotion for BT News Tablet edition: http://btsub.sg/moneyhacks
Subscribe to BT Mark To Market Podcast for free here: http://bt.sg/btmark2mkt
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
BT Money Hacks Ep 83: Demystifying ESG and sustainable investing
12:31 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This week's episode looks at ESG (Environmental, Social, and Governance) investing: what is it and how do you get started? It is brought to you by UOB Asset Management (UOBAM).
BT's digital editor Chris Lim hosts Victor Wong, senior director and head of ESG Investments at UOBAM, as he tells us more: ESG and sustainable investment is becoming the buzzword, but can investors really do well by doing good? Can ESG and sustainable investments really make you money? (2:10) Why ESG investing is seen as "woke" and appeals to more socially-conscious millennials or Gen Z, especially those aged 25-40 (3:57) What is the scene in Asia like, including Singapore? Is there growth potential for this sector? (5:30) Three steps on how to find out more about developments in ESG and sustainable investing, and choose funds and fund managers (6:40) How UOBAM uses its proprietary news-gathering data and technology to enhance its ESG investment processes, and works with regional partners to cover the Asian scene properly (8:07) UOBAM launched Singapore's first sustainable bond fund with international asset manager Robeco earlier this year: Is this a mega-trend investors should consider? (9:40)
More on UOBAM's ESG and sustainable investments: https://www.uobam.com.sg/sustainability/index.page
Listen to Ep 82 (Evolving your investment portfolio for risk and liquidity): https://str.sg/Jj9t
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
BT Money Hacks Ep 82: Evolving your investment portfolio for risk and liquidity
9:38 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode is about how to evolve your investment portfolio as you move through life on your path to retirement. It is brought to you by UOB Asset Management (UOBAM).
BT's digital editor Chris Lim hosts Dharmo Soejanto, head of the investment partnerships & solutions unit at UOBAM and chief investment strategist for UOBAM Invest, as he tells us more. Five steps to manually changing your portfolio to match changing risk appetites and liquidity needs (1:47)
How UOBAM Invest can help you automatically and easily adjust portfolios to optimise risk exposure and liquidity throughout life with its feature called Glide-path (3:35) How UOBAM Invest's Glide-path solution sets it apart from other robo-advisors in the market and helps investors adjust their portfolios throughout their life stages (4:35) How the regular rebalancing feature in UOBAM Invest's Glide-path solution is helpful during the ongoing Covid-19 crisis over time (5:44) Market indices tend to include winners over time and drop off "losing" companies or industries, and why it's important to stay invested and have a systematic robo advisor these days (6:38)
More on UOBAM Invest Digital Adviser & its Glide-path solution: https://www.uobam.com.sg/uobaminvest/individual/index.html
Listen to Ep 83 (Demystifying ESG and sustainable investing): https://str.sg/Jj9F
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
See omnystudio.com/listener for privacy information.
BT Money Hacks Ep 81: How Gen Z youth can save and invest smartly earlier
12:14 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode looks at how and why Generation Z youth approach savings and investments.
SingSaver conducted a survey over August and September this year, and found that when it comes to saving habits, Singaporean Gen Z youth (aged 18 - 23) are savvier than their millennial counterparts (aged 24 - 39).
85% of Gen Z respondents started saving before the age of 22, more than twice the number of millennials, at just 41%.
65% of Gen Zs stick to their budget “often” and “very often” as compared to 56% of millennials.
Chris Lim hosts SingSaver’s interim country manager Prashant Aggarwal.
They discuss the following points:
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Three reasons why Gen Z youth are already saving for retirement and starting investment journeys earlier than older generations (1:55)
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Why it is easier to start investing now in this age of robo advisers, Internet banking, app-based stock trading and easy access to global markets (3:35)
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Which are the top five asset classes that Gen Z youth focus on? (6:15)
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Understand the key principle: Higher return, higher risk, higher effort and inversely, lower return, lower risk, and lower effort (7:00)
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Steps on how Gen Z youth can start small with $50 targets and gradually generate a passive income of $1,000 a month (8:00)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Discover BT Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
Money Hacks Ep 80: Controlling your fund fees is key to investment success
10:32 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode tackles the importance of understanding and controlling your investment costs or fees, so you can let the power of compounding interest work for you.
Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option.
They discuss the following points:
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Are Singapore's investment fees higher than average sales and fund level fees globally? (1:08)
-
What is the little-known "trailer" fee in this industry? How that is practised here and why the investor does not see this (1:50)
-
The trailer fee raises the question: Are you working in the best interests of the client? (3:02)
-
Is there a way around this? Should your fund managers rebate that trailer fee to you here when they receive it? (4:48)
-
Why just a 1% fee difference over many years can result in compounding costs eating into your returns (7:20)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
Money Hacks Ep 79: Differences and misconceptions over ETFs and unit trusts
9:22 mins
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode tackles the importance of knowing the pros and cons of ETFs and unit trusts.
Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option.
They discuss the following points:
-
What are ETFs and unit trusts and are there big differences between them? (0:45)
-
Are unit trusts and mutual funds the same product? (2:32)
-
Why are ETFs essentially a wrapper for products like funds, Reits or bonds, so they can be traded on exchanges? How does that impact the net asset value? (3:15)
-
Unit trusts are more convenient for investors who do not need intra-day liquidity (4:55)
-
What are the differences between ETFs on SGX as compared with the US or the UK? (5:40)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Follow Money Hacks podcasts fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
Follow our shows then, if you like short, practical podcasts!
See omnystudio.com/listener for privacy information.
Money Hacks Ep 78: How to manage your wealth and plan your legacy
12:01 mins
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode tackles the importance of managing your wealth and planning your legacy. It is brought to you by Opus by Prudential, which is Prudential's unique approach to wealth management and legacy planning for high net worth individuals.
Chris Lim hosts Angeline Alexander, head of high net worth and affluent segments at Prudential Singapore, on the following points: What exactly is wealth management, wealth preservation and wealth transfer? (1:25) Three tips for high net worth individuals to get started (3:35) What is legacy planning? The new trend of high net worth clients using philanthropic pursuits to give back to the community (6:35) Depending on complexity and number of heirs, Opus by Prudential brings in specialist expert panels on trusts, tax and business advisory (7:20) Plan, insure, give back: A 3-step guide to planning your legacy (9:15)
More at Opus by Prudential - https://www.prudential.com.sg/opus#!about_us
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
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Money Hacks Ep 77: Why sticking to an asset allocation framework is key in volatile times
12:57 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode tackles good starter tips and discipline for asset classes and portfolio construction during this Covid-19 era.
Chris Lim hosts Asheesh Chanda, founder and chief executive of Kristal.AI, that specialises in digital-first private wealth.
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The four pillars for asset classes and allocation during these volatile pandemic times (2:00)
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Building a discipline of following an asset allocation framework is key to success during periods of uncertainty. What are the general rules? (3:19)
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You can improvise after following rules of investment, but not deviate and fall into the trap of "emotional investing" (5:20)
-
Passive and active investment approaches: What should beginner investors know and why they should avoid active approaches? (9:00)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
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Money Hacks Ep 76: Understand what products and risk profile suit you as an investor
12:57 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode tackles portfolio diversification and what products fit different profiles.
Chris Lim hosts Dhruv Arora, founder and chief executive of robo investment advisory Syfe, who explains some basic starter tips:
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How to build a diversified e-portfolio and manage risks for products with an easy click of a cursor (1:15)
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Why the majority of people here prefer lower-risk portfolios, useful in this Covid-19 pandemic (4:12)
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Reits: Which kind of investor do they suit? (6:10)
-
How do you get into low-cost property investment with $50 for example, in your 20s (9:45)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 75: Insurance - term vs whole life, what makes sense amid Covid-19?
10:53 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode is aimed at how investors can manage risk and insurance during the Covid-19 pandemic.
Host Chris Lim speaks remotely with bionic financial adviser MoneyOwl's chief executive and chief investment officer Chuin Ting Weber.
She explains the following points:
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Why the role of insurance is protection (2:40)
-
Why our most important financial asset is our income (3:45)
-
What does it mean to be comprehensively insured? (5:45)
-
Why term insurance is more affordable and preferable till your planned retirement age and you no longer have dependents (7:00)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
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Money Hacks Ep 74: Why insurance is good risk management during uncertain times
10:42 min
Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.
This episode is aimed at how to understand basic personal risk management amid the market turmoil this year.
Host Chris Lim speaks remotely with SingSaver's founder and country manager Rohith Murthy.
They tackle the following points: Accept the reality that Covid-19 is a serious threat to income and jobs, and how to assess your finances (3:20) Typical financial journey of a Singaporean or Permanent Resident here (4:30) Why insurance is still seen here as a grudge purchase, and why it is more important in a world of uncertainty (5:15) Establish the risk to your income, cash and health needs; ensure you have the right affordable policy to be protected (6:40)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
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Money Hacks Ep 73: Fortitude and the market in Covid-19 times
12:33 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down useful financial tips.
This episode is aimed at how investors can approach the market despite the impact from Covid-19.
On May 26, finance minister Heng Swee Keat delivered an unprecedented fourth budget, dubbed the Fortitude Budget. Together with the previous three 2020 Budgets, this year’s total comes up to almost S$100 billion.
Host Chris Lim speaks remotely with two experts from OCBC Bank - Selena Ling, head of treasury research and strategy, and Carmen Lee, head of investment research.
They tackle the following points: What is the outlook for Singapore's economy, for the next three to six and 12 months, and what does this mean for investors? (1:00) What is the outlook like for Reits? Which Reit sectors took the biggest hit during Covid-19 and which are still attractive to investors here? (3:30) What is the market expecting for corporate earnings this year? (8:08) Will dividends be cut? Or even be paid out at all? (9:50)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
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Money Hacks Ep 72: Passive vs active investing - debunking misconceptions
12:59 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
In this episode, we talk about passive and active investing, ETFs and unit trusts. Why should the average investor care about the differences?
Host Chris Lim speaks remotely with Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option, as he explains the following points:
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Understand why you have a historically proven 17% chance of "beating the market" over a 15-year period even as a professional or "active" investor (2:30)
-
What is the difference between active and passive investing? (5:53)
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Understand the differences between cash, high-quality government debt like Singapore Savings Bonds, corporate bonds and equities (6:21)
-
How digital investment advisers can help you with lower costs and passive investing coupled with strategic asset allocation (9:40)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
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Money Hacks Ep 71: Be a hassle-free landlord through Reit investments
11:18 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode is aimed at those who are interested in investing in property through real estate investment trusts (Reits) and Chris Lim hosts Dhruv Arora, founder and chief executive of robo investment advisory Syfe.
He explains some basic starter tips:
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What is a Reit? How it is a proxy for buying into a property without spending millions of dollars (1:02)
-
Why investing in Reits makes you virtually a hassle-free landlord (2:20)
-
Is it prudent to diversify your Reit portfolio? (3:23)
-
What is the difference between do-it-yourself Reit exchange traded fund (ETF) investing and using Syfe's new Reit+ portfolio, which can closely replicate the performance of the SGX iEdge S-Reit 20 Index? (6:24)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 70: How companies should transform during the Covid-19 circuit breaker
15:59 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode is aimed at owners and management of small- and medium-sized enterprises (SMEs) and large companies.
In this episode, Ernest Luis hosts Tan Su Shan, group head, institutional banking, DBS, as she explains how there is no turning back for big and small businesses, if they are to survive the Covid-19 pandemic.
She shares some essential tips:
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What are the immediate action points SMEs need to work on, to survive first? (2:44)
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What if you are an SME owner caught cold, not ready for digitalisation and worried about survival? Can banks help with digital business conversion and enable cash flow, and how that works in the F&B sector for example? (4:03)
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Larger companies should do stress test projections for three, six and nine months, or even till at least the first quarter of 2021 (7:50)
-
Pointers for stress testing (8:52)
-
Will Covid-19 change the way companies operate permanently, and in what ways? (12:28)
Produced by: Ernest Luis
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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BT Podcasts on: http://bt.sg/podcasts
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Money Hacks Ep 69: Is 2020 the year for savvier DIY property hunters and sellers?
9:54 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode is aimed at younger and savvier homeowners and buyers who want to explore "DIY" property transactions and save some money.
In this episode, Chris Lim hosts Lewis Ng, chief commercial officer of Carousell, who breaks down property trends for new homeowners in 2020.
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Is there a growing preference for do-it-yourself (DIY) property listings - directly done by homeowners? (1:40)
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What are the cost savings to be enjoyed with DIY platforms? (2:48)
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Property shopping and buying 101: Understand your finances, speak to a bank to explore your affordability, explore agent fees or a DIY approach, public and private housing options, know income ceilings for public housing (4:01)
-
Do you also need a longer-term mindset when buying your preferred property? Check URA master plans for the area (7:26)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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BT Podcasts on: http://bt.sg/podcasts
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Money Hacks Ep 68: Lessons for budding women entrepreneurs in the Covid-19 era
15:22 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode is aimed at budding women entrepreneurs. Do you feel the burning desire to become one? If you are a mother or a caregiver, and thinking about starting a side business, this episode is for you.
Ernest Luis hosts Joyce Tee, the group head of SME banking at DBS Bank.
She answers the following questions: What are the top concerns of women entrepreneurs? (2:30) Is this a good time for women "sidepreneurs" to test business ideas as more work from home during this Covid-19 period? (5:10) Ms Tee offers useful tips as she recounts her life story of how she started her own side business in the early 80s at the age of 13 while she was schooling (6:15) Resilience, research, understand your competitive landscape, be clear about your target audience, know what differentiates your service (9:03) How women should approach business and not fall prey to gender stereotypes (10:40)
Produced by: Ernest Luis
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 67: How can AI and big data help investors?
9:07 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
In this week's episode, we talk about artificial intelligence (AI) and big data and how they can help investors. Chris Lim hosts Adam Reynolds, CEO Asia-Pacific, Saxo Markets, as he answers the following:
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What's state-of-the-art now in terms of AI and big data for investors? (0:46)
-
How accurate are the AI recommendations? (2:06)
-
A beginner's guide to using AI for investing (4:45)
-
How comfortable should investors be with trusting AI? (6:13)
Produced by: Chris Lim and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: http://bt.sg/podcasts
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Money Hacks Ep 66: Should you invest your CPF money in a turbulent market?
9:06 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
In this week's episode, we talk about CPF investments, and if you should invest them in a turbulent market. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option, as he answers the following:
-
What is the difference between traditional CPF investment schemes and digital schemes? Are there hidden fees? (1:02)
-
In a turbulent market now worsened by the coronavirus threat, should you invest your CPF funds? (4:09)
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CPF is your long-term money. How can it perform if you take a similar long-term market view versus just leaving it in CPF? (5:14)
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Invest wisely, strategically, not tactically. Strategic investment means a long-term approach, whereas a tactical investment means trying to beat the market with constant changes. Find out the pros and cons of such approaches (9:29)
Produced by: Chris Lim and Ernest Luis
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/btmoneyhacks
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Money Hacks Ep 65: Basics of loyalty programmes
9:06 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
In this week's episode, we talk about loyalty programmes, what they are and how they can work for the investor. Chris Lim hosts Adam Reynolds, CEO Asia Pacific, Saxo Markets, as he answers the following:
-
Should investors even care about loyalty programmes? (1:09)
-
How common are loyalty programmes in the online brokerage industry? (1:56)
-
Does Saxo expect other brokerages to launch competing loyalty programmes? (6:07)
-
Don't just trade for the sake of racking points up (7:03)
Produced by: Chris Lim and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/btmoneyhacks
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Money Hacks Ep 64: Demystifying managed portfolios
9:42 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
In this week's episode, we take a look at managed portfolios: what exactly are they and how are they managed? Chris Lim hosts Christophe Marciano, head of discretionary portfolio management, DBS Bank, as he answers the following:
-
What is a managed portfolio? (0:25)
-
What is the process like? (3:12)
-
What are the pros and cons of DBS Bank's global and Asian digi portfolio products? (4:27)
-
Which ETFs (exchange-traded funds) are available in these portfolios? (6:41)
Produced by: Chris Lim and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/btmoneyhacks
Follow our shows then, if you like short, practical podcasts!
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Money Hacks Ep 63: What are vehicle protection services?
15:13 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
How different are vehicle protection services from car insurance? Ernest hosts Manfred Schmoelz, president of the Asia-Pacific region for Assurant, as he answers the following:
-
What should consumers look out for, when buying a new car? (4:00)
-
What about some Singapore car owners who only intend to keep their cars for 3 to 5 years? Do they need to consider different approaches when choosing a vehicle protection service? (6:02)
-
The changing profile of the Asian consumer. (9:10)
-
How AI adoption - combined with human supervision and compassion - helps make claims and turnarounds faster and more efficient, and reduce fraudulent cases. (10:22)
Produced by: Ernest Luis and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
Apple Podcasts: http://bt.sg/oeXe
Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGP
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/btmoneyhacks
Follow our shows then, if you like short, practical podcasts!
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Money Hacks Ep 62: What is a robo-advisory?
10:15 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
Robo-advisers are becoming more common in Singapore, but just what is a robo-advisory and how is it different from traditional investing methods?
Chris Lim hosts Evy Wee, head of financial planning & personal investing at DBS, who explains the basics:
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What is a robo-advisory? (0:24)
-
Are robo-advisers easier for people who are starting their investing journey? (1:16)
-
What kind of fees are involved? (4:20)
-
Equities vs ETF portfolios: what are the basic considerations? (7:57)
Produced by: Chris Lim and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 61: Getting the most out of cashback/rewards cards
10:03 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
Most Singaporeans have either a cashback or rewards points credit card, some even have both; but are we getting the most out of them?
We speak with Mark Cheng, media sales lead at financial comparison site MoneySmart.sg, who shares his insights with us:
-
What are some of the basic things you need to consider? (0:31)
-
Things to take note of when redeeming air miles/points (5:07)
-
What if my spending is not consistent enough to maximise the benefits? (6:19)
Produced by: Chris Lim and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 60: Maximising air miles and credit cards
9:04 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
Singaporeans love to get out of the country at every opportunity and this episode focuses on understanding credit cards and air miles better. We speak with Mark Cheng, media sales lead at financial comparison site MoneySmart.sg
He breaks down the various options:
-
Which card is better, those that accrue miles or points? (1:17)
-
What misconceptions are there? (2:00)
-
What to consider before redeeming your air miles (4:08)
-
How do you maximise your air miles? (5:06)
Produced by: Chris Lim and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 59: Mortgage loans 101
14:44 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode focuses on understanding mortgage loans better. We speak with Cris Ng, the head of mortgage at financial comparison service Moneysmart.sg
He walks us through various options:
-
Customers tend to fear mortgage loans and want to pay as little as possible and pay off as soon as possible. Why this is a misconception. (1:37)
-
Should you go for floating or fixed mortgage rates? (2:31)
-
First-timers, upgraders, seasoned investors: What they should know, including tips on types of mortgages they should choose (8:44)
-
Why is refinancing often overlooked by Singapore customers? (9:45)
-
How upgraders can approach mortgage decisions and the practice of "decoupling". (11:33)
Produced by: Ernest Luis and Lee Kim Siang
Edited by: Adam Azlee
Discover Money Hacks Podcast fortnightly on Mondays and rate us on:
Channel: http://bt.sg/btmoneyhacks
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Spotify: http://bt.sg/oeGN
Google podcasts: http://bt.sg/oeGd
Website: http://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 58: Credit cards for millennials
9:54 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode focuses on credit cards for millennials specifically. We speak with Natalia Goh, head of credit cards and personal loans at Standard Chartered Bank Singapore who .
She tackles our questions:
1. What would a millennial need from a credit card? (0:27)
2. Besides air miles, is cashback also another criteria millennials look at? (2:20)
3. How many credit cards do millennials typically hold? (3:55)
-
What should millennials look at when choosing a credit card? (4:51)
-
Should millennials be looking at pairing a bank account with a credit card to maximise benefits? (8:01)
Produced by: Chris Lim & Lee Kim Siang
Edited by: Adam Azlee
Follow more Money Hacks podcasts and rate us on:
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra:
https://str.sg/Jw5T
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 57: What's the difference between credit card fraud and disputes?
10:02 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode focuses on credit card fraud and disputes. We speak with Natalia Goh. head of credit cards and personal loans at Standard Chartered Bank Singapore, who tells us what the differences are.
She tackles our questions:
-
Is there a difference between a credit card dispute and credit card fraud? (0:37)
-
How many months' worth of receipts should you keep? (2:41)
-
What are the steps you can take to protect yourself against fraud? (5:03)
-
What are the different channels banks use to send alerts to customers? (7:11)
Produced by: Chris Lim & Lee Kim Siang
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
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Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 56: How to choose the best travel insurance policy for your needs
10:10 mins
Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.
This episode focuses on travel insurance and we speak with MoneySmart's Singapore general manager Abel Lee, who oversees its insurance business.
He tackles our questions:
-
How can travel insurance be seen as an investment? (0:57)
-
What should we take note of when choosing a policy? (1:45)
-
How important is it to check the T&Cs? (4:09)
-
Is there a best time to buy travel insurance? (5:02)
-
Are there particular kinds of travel insurance policies for specific groups of people?
Produced by: Chris Lim & Lee Kim Siang
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
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Website: https://bt.sg/moneyhacks
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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BT Podcasts on: https://bt.sg/btmoneyhacks
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Money Hacks Ep 55: How to start investing with forex
8:51 min
Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips.
This episode focuses on foreign exchange, specifically, how one can approach FX as another avenue for investment.
We speak with Sumeet Bhambri, Standard Chartered's regional head of wealth management for Asean and South Asia, for his take on FX investing.
He tackles our questions:
-
What is FX? (0:40)
-
How do we use FX as an investment vehicle? (2:06)
-
What tools can we use to help us? (5:52)
Produced by: Chris Lim & Lee Kim Siang
Edited by: Adam Azlee
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Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
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Money Hacks Ep 54: How to save more when paying for overseas property investments
8:51 mins
Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips.
This episode is aimed at how best to pay for property investments overseas. Do you use expensive banking services? Or new cheaper fintech-enabled money transfer services?
Mr Nilan Peiris is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore.
He tackles our questions:
-
Does it really cost a lot to move money overseas via wires?
-
Understand why it is important to know about the transparency of the services you are using.
-
Why is speed important when you need to do time-sensitive good value property investments overseas?
Entrepreneur Kiyan Foroughi also comes on the show to talk about his own personal experience with money transfer services provided by banks and new fintech companies, and the big differences he has found when servicing property mortgages overseas.
Produced by: Chris Lim, Ernest Luis & Lee Kim Siang
Edited by: Adam Azlee
Dear readers,
We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
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Money Hacks Ep 53: How fintech helps you with cheaper and faster money transfers overseas
9:43 mins
Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips.
This episode is aimed at how best to transfer your money abroad, and in cheaper ways.
Entrepreneur Kiyan Foroughi comes on the show to talk about his own personal experience about money transfer woes with banks and why he uses new fintech services like TransferWise to save on costs and speed besides getting better transparency.
He has business investments and property mortgages overseas, and needs to transfer money to family members around the world.
Mr Nilan Peiris - another guest on the show - is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore.
He answers the following:
-
What are cross-border money transfer services and why do they save their customers money?
-
How you can save up to 10 times on the cost of sending a sum of money from Singapore to the UK, Europe or Australia.
-
How instant payment - thanks to fintech - means that customers can send money to pay for a leaky roof repair in London for example, within 20 seconds.
Produced by: Chris Lim, Ernest Luis & Lee Kim Siang
Edited by: Adam Azlee
Dear readers,
We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.
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Like, subscribe and rate our Money Hacks podcast on:
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
WealthBT Podcast on: http://bt.sg/btwealthbt
BT Podcasts on: https://bt.sg/btmoneyhacks
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Money Hacks Ep 52: Tread growing e-commerce investment trend in Asia with caution
8:48 mins
Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips.
This episode is aimed at how you can make money from Asian consumer growth.
Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004. What kind of e-commerce trends should we study in Asia before investing? (0:51 mins) E-commerce is an emerging sector in Asia if you want to consider widening your investment options in future. (3:05) Watch the rise of old-economy companies that provide logistics, transportation and warehousing, like Singapore Post Limited for example - which is a listed company. (4:50) Be wary of cash flow-negative companies that are unlisted in Asia and may not be able to continue being funded by the venture capital and private equity community in this region. (5:53)
Produced by: Ernest Luis
Edited by: Ernest Luis
Like, subscribe and rate our Money Hacks podcast on:
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
Discover more BT podcast series:
BT Mark To Market Podcast on: http://bt.sg/btmark2mkt
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Money Hacks Ep 51: Making more money from Asian consumer growth
10:56 mins
Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips.
This episode is aimed at how you can make money from Asian consumer growth.
Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004.
As Asia is a massive region representing 60% of the world’s population, he says that the region is on the cusp of a consumer boom.
Find out why consumers in China, India and the Asean region are eating more, drinking more and spending more.
He suggests two investment sectors to look at - Asia's canned beer and traditional meat markets.
-
Why is Asia’s beer market about to explode with the introduction of canned beer? This trend is expected in less developed Asian markets in South-east Asia and China and India.
-
Despite newly-listed company Beyond Meat’s incredible rise as as a veggie meat company, real meat is the real investment story in Asia.
Investors should note that Asia’s meat producers like Charoen Pokphand Foods, are about to see a big boom as prosperity levels rise in China and India.
Produced by: Ernest Luis
Edited by: Ernest Luis
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Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 50: How to invest amid market volatility
10:24 mins
Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips.
This episode is about how to invest amid market volatility. Trade wars, currency swings, natural disasters - what's an investor to do when markets flip one way, then flop the other way?
Chief investment officer of StashAway, Freddy Lim, gives listeners tips on how to approach investments even when markets are roiling.
This includes both advice on the fundamentals of investment, as well as modern tools that can make a hassled investor's life easier.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
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Website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 49: The ABCs of robo-enabled wealth management
10:49 mins
Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips.
This episode walks listeners through the ABCs of robo investing.
What's a robo advisory, why would you want to use one, and how much might it cost?
How intelligent are such systems, how much work do we still have to do to make the most of them, and how can they make our money lives easier?
Chief executive of StashAway, Michele Ferrario, breaks down robot-enabled, technology-assisted investment for listeners. StashAway is regulated by the Monetary Authority of Singapore.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
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Website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 48: Actionable financial tips for young parents and children
12:12 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
This episode is aimed at how parents can get children to appreciate the value of money in an affluent society. Money Hacks' co-hosts Chris Lim (above left) and Ernest Luis talk actionable financial tips for young parents and children up to the age of 16.
How old can they be before you show them the value of money and sacrifice, and teach them the concept of cash flow (allowances versus expenses)?
-
Parents can use tokens to exchange if they are too young to have hard currency allowances (1:30)
-
Are there tools to help parents educate children better? (2:35)
POSB Smart Buddy is an introduction to digital payments. Children wear a watch that lets them tap to pay at certain stores such as those in school and at selected merchants. Parents download the mobile app so they can allocate allowances and check on the child's spending in real time. The OCBC Mighty Savers programme is for children below 16 with interest of up to 0.8 per cent a year.
-
What is the concept of delayed gratification for children? (3:59)
-
How to be financial role models for your children. (7:30)
-
How to inculcate habitual saving, start an allowance early even if it is tokenised, explain delayed gratification, transit to real money as early as possible, and involve children when doing abstract investments like gold (10:25)
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
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Website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 47: Getting started with SkillsFuture-funded courses if you have unused credit
11:16 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
The $500 SkillsFuture credit is given to all Singaporeans aged 25 and older. The scheme was launched in January 2016.
Money Hacks' co-hosts Ernest Luis (above, right) and Chris Lim discuss practical tips to get started if you have not used your SkillsFuture credit. Logging in, checking on your remaining credit Prioritise and identify skills that can help upgrade your career, or personal goals, as programmes are divided into categories: students, employees, employers, learning throughout life Check on new available courses that were not listed a few years back
Plans to enhance the MySkillsFuture portal, which provides information on careers and the corresponding skills needed, mean users will be able to create an e-passport listing their e-certificates from training.
The upcoming SkillsFuture Festival 2019 will be held from June 28 till Aug 11 - featuring six weeks of workshops, talks, roadshows, experiential learning and lifestyle activities across the island, to inspire Singaporeans to develop a passion for learning and pursue skills mastery.
SkillsFuture website: https://www.skillsfuture.sg/
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
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Website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 46: How to start investing with just $100 a month in your 20s
11:16 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
This episode is brought to you by OCBC Bank. It is aimed at those in their later 20s, and how to move beyond just insurance and good bank accounts.
Money Hacks' Chris Lim (left) hosts OCBC Bank senior investment strategist Vasu Menon (centre above), who gives Lynette Tan - a 26-year-old Business Times journalist - practical tips to get started.
In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, close to three-quarters said they wanted to start investing, with almost a third in it for long-term gains, though fewer than two in five considered themselves knowledgeable about investing.
We cover three structured tips to help young people consider when wanting to invest.
Is a five-figure sum the minimum you need to start investing properly? (1:40 mins)
Step 1: How to automate investment of unit trusts with as low as as $100 monthly? (2:01)
A $100 monthly minimum can also get you started in an OCBC blue chip investment plan (2:23)
Step 2: Knowledge is critical next, after you get started with a monthly $100 investment. Attend workshops and talks like Frank by OCBC's Young Investor programme (3:35)
Step 3: How to do your homework safely before jumping into the markets? Create a simulated portfolio and how to write yourself a private proposal (4:32)
What is time diversification, and why is it good to do this in a blue chip investment plan? (6:42)
Why it is good to take emotions out from a structured investment journey, and not let it affect your work or distract you needlessly (7:29)
Get more Frank by OCBC articles for the young here.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
Apple Podcasts: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
Website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 45: How to choose insurance in your 20s
8:44 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
This episode is brought to you by OCBC Bank. It is aimed at insurance, a product which the young in their 20s need, but sometimes find it hard to figure out what they should get first.
Money Hacks' Chris Lim hosts 29-year-old Navin Sregantan, a journalist at The Business Times and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory.
In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, only slightly more than half were aware of different insurance products, and less than half considered themselves knowledgeable about insurance.
Are there still myths or misconceptions about insurance?
1:10 mins - Banks actually do provide some insurance plans, and how to use self-service banking tools like OCBC Life Goals to plan and identify gaps and protection needs.
2:27 mins - Can buying an insurance plan through a bank help you earn higher interest?
3:35 mins - How much and what kind of coverage should people in their 20s have?
4:08 mins - Why you should add riders to insurance plans.
4:28 mins - What is the second coverage plan you need next, especially if you're working in your 20s?
5:14 mins - If you plan to get married, are life insurance plans crucial?
Get more Frank by OCBC articles for the young here.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
iTunes: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 44: Financial adulting 101 and controlling monthly credit card debt
11:52 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
This episode is brought to you by OCBC Bank. It is aimed at those in their 20s and are starting to work, and how can set themselves up financially to avoid common mistakes and focus on their careers.
Money Hacks' Chris Lim hosts 20-year-old Vanessa Lim, a temp at The Business Times, and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory.
In a Frank by OCBC survey of 866 students and young working adults aged 16-29, done earlier this year, only two-thirds managed to stick to a budget - or even have an expense budget - and two out of five struggled to stick to their saving plans.
How to get started after listening to this episode:
1:00 mins - Should you have two bank accounts - one for paying bills and one for saving?
2:04 mins - Mr Goh advises on the first step - how to automate transfers to savings every month.
4:00 mins - Should you stick with only one bank account like the OCBC 360?
5:37 mins - Paying cash for everything means you miss out on credit card perks. How do you avoid drowning in credit card debt when you are starting out in your career? Should you set a credit limit on your card?
7:50 mins - Credit cards should not be used as a back door to overspending beyond your means, but the right accounts mean that interest tiers can grow with you when you are ready for larger financial commitments.
8:20 mins - Can old-school diaries, Excel spreadsheets or even online tools like OCBC's Money In$ights help you budget and track spending and saving more effectively?
Get more Frank by OCBC articles for the young here.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
iTunes: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 43: Saving for key life goals in your early 20s
12:33 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
This episode is brought to you by OCBC Bank. It is aimed at millennials and students who have life goals but aren't sure how to work towards them.
Money Hacks' Chris Lim hosts 19-year-old Lim Li Shian (Liz), a temp at The Business Times, and Mr Vasu Menon, OCBC Bank’s Senior Investment Strategist, Wealth Management Singapore.
In a Frank by OCBC survey of 866 students and young working adults aged 16-29, done earlier this year, almost three-quarters said travelling is important to them, while more than four out of five ranked life experiences as a top priority, along with maintaining relevant skills as part of pursuing further education.
Are these goals realistic?
0:42 mins - Mr Menon guides Ms Lim, who says she wants to set aside money for university studies, travel overseas, or learning a new language.
1:41 mins - He shows her Frank by OCBC's Savings Goals online calculator and how to set aside money each month to achieve her immediate goals.
2:57 mins - Are long-term goals also important for the young to keep in mind?
4:16 mins - Find out why you should not borrow money to achieve short-term goals, like travel trips.
7:00 mins - How about Ms Lim's medium-term goals like owning a car? Find out what advice she gets.
Get more Frank by OCBC articles for the young here.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
Apple Podcasts: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
Website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 42: How to get bonus interest in bank-and-earn accounts
8:42 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
This episode is aimed at those who have just started working, or are drawing a regular salary, and want to know how they - and also young married millennial couples - can use bank-and-earn products better, so they can earn more interest with the money that goes regularly into their accounts each month. Helping us to make better sense of it all is Ms Priscilla Joseph, vice-president of consumer banking for DBS Bank.
Our questions: What are bank-and-earn accounts and why are those offered by the major banks (such as UOB One, DBS Multiplier and OCBC 360) better than basic savings accounts? Each bank has its own specific product calculators online for you to type in your salary, or minimum credit card spend. What are the key basic criteria you should concentrate on, in order not to overstretch yourself? Do these bank-and-earn accounts serve you best if you have a regular monthly salary? What if you are married and are self-employed or a freelancer in the gig economy?
We work through the example of a new-to-the-workforce graduate with a credited median salary of $2,800 (excluding CPF), and a credit card spend per month of $200, which is manageable in paying back monthly outstanding amounts, to avoid credit debt. With two categories above ticked off, the eligible interest rate is 1.85% p.a. for the DBS Multiplier account, for example. Many accounts give you bonus interest if you increase your bank account balance relative to the previous month. That can be hard to do if you constantly have bills to pay each month or, worse still, some bigger bills that come quarterly, or annually. What is a money hack to manage this? Tune in.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
iTunes: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 41: Top tips on preparing yourself to sell or buy your HDB flat
8:42 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
Editor's note: Property information correct when published on April 29, 2019
We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome, that is aiming to make housing transactions in Singapore simple, fast and affordable.
They explain the steps and mindset you need to have, if you are ready to sell or buy a HDB flat: Do you want to engage a property agent or do-it-yourself within your set time frame? Family members selling to each other: Does this scenario apply to your case? How much paperwork is involved? You can also pay for just documentation preparation services Understanding finance calculation and bank or HDB loans Decide what is the most important criteria for yourself: Is it money or location?
You can download HDB's app too.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
iTunes: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 40: Top myths to dispel for HDB flat sellers and buyers in today's market
9:09 mins
Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips.
Editor's note: Property information correct when published on April 22, 2019
We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop with a 30% market share, that is aiming to make housing transactions in Singapore simple, fast and affordable.
They help us dispel the top myths and misconceptions for HDB flat sellers and buyers in today's market.
You can download HDB's app too.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 39: How to be happier in life by being less of a financial hoarder
11:18 mins
Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes.
Our guest is Dr William Wan, the general secretary of the Singapore Kindness Movement, and he has advice of a different type, rather than hard money-making or saving strategies.
He warns against financial hoarding by outlining four points in this episode:
- "Make all you can, save all you can and give all you can." - applying John Wesley's dictum to stewardship of your own finances. (1:50)
2. In making a will, and if you are more capable financially, consider not just the benefit of your family members, but also blessing charities and other needy organisations whose missions resonate with you. (5:10)
3. In your retirement years, consider spending a bit more on yourself to enjoy the fruits of your labour. Take vacations and enjoy some of the comforts of life. No point in hoarding all for your children, for example. (6:07)
- Live above, within or below your means. Living above will burden you with debts. Living within is usually just about spending on yourselves. But living below will ensure you have some to share with others, and that can be a good principle to strive for during your working years. (7:01)
Dr Wan's new book - Through The Valley, The Art of Living and Leaving Well - is out in major bookstores or online.
Check ST Press' Facebook page.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 38: Make compound interest your best financial friend if you're in your 30s
10:23 mins
Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes.
Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee.
We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about how you can retire earlier with a bigger retirement income by the age of 60 if if you plan as early as your 20s.
For example, if your portfolio returns in equities or stocks are 10% a year, the Rule of 72 calculator - which means how many years it takes you to double your money - shows that 72 divided by 10, equals doubling your portfolio's value in seven years.
So if you invest $1 at the age of 30, it can become $2 when you're 37, $4 by 44, and $16 by the age of 58.
On paper, they explain that you have many seven-year cycles to go even if you're in your 30s, to maximise the power of compound interest.
Are you also aware of transaction costs, brokerage or custodian fees? Do know they can also eat into your stock investment profits.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 37: How you can fund your retirement systematically with equities or stocks
10:19 mins
Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes.
Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee.
We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about why equities are a great tool to fund your retirement.
Find out why merely having a stock portfolio isn't enough, if it's messy like rojak.
The three directors also explain the Rule of 72 calculator, which essentially means how many years it takes you to double your money. For example, if your portfolio returns are 10% a year, 72 divided by 10 means you will double your portfolio's value in seven years.
If your returns are 1%, it will mean you only double your money in 72 years.
Explore the power of compound interest in making your assets work harder for you.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 36: How to build your wealth by investing in equities or stocks
10:19 mins
Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes.
What are the best assets to invest in? Property? Bonds?
Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee.
We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about why equities are a great tool for making your money work harder for you.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Season 2: Step-by-step tips for HDB flat sellers in today's market
10:19 mins
Synopsis: In this podcast series, The Straits Times and The Business Times break down financial tips so you can get started after listening to this episode.
Editor's note: Property information correct when published on Feb 18, 2019
We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop with a 30% market share, that is aiming to make housing transactions in Singapore simple, fast and affordable.
Here are their top step-by-step tips for HDB sellers in today's market.
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Register an Intent To Sell in the HDB resale portal (which is valid for 12 months)
-
How to check data and set your flat price more accurately as today's more price-sensitive and educated buyers are able to compare flat prices and past resale values in your area, and use apps like Ohmyhome's on iTunes and Google Play.
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For initial eligibility checks, visit HDB's portal to check ethnic integration policy and related quota in various estates
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Ensure you fulfil the minimum five-year occupation period
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Decide if you want to engage an agent or consider a do-it-yourself approach, and how to ensure you have done the proper financial calculations and timeline planning for selling and buying your next flat so you will not be without a home in between.
Later in our podcast, we pose the scenario: If you had bought your HDB flat for $500,000 15 years ago, and sell it for $520,000 now, does it mean you automatically have a $20,000 cash profit?
Do you like direct responses from buyers and sellers? Apps like Ohmyhome's has a pool of ready buyers and sellers who can suggest their own flat listings directly to the buyer who indicates interest in a flat in their area. Can you save on agent's commissions with Ohmyhome?
You can download HDB's app too.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 34: Top 5 step-by-step tips for HDB flat buyers in today's market
11:24 mins
Synopsis: In this podcast series, The Straits Times and The Business Times break down financial tips so you can get started after listening to this episode.
Editor's note: Property information correct when published on Feb 11, 2019
We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop aiming to make housing transactions in Singapore simple, faster and more affordable.
They explain their top 5 step-by-step tips for HDB buyers in today's market.
-
Calculate what you can afford using calculators like those found on Ohmyhome's app on iTunes and Google Play store.
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Consider home financing options for a HDB loan or bank loan
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Apps like Ohmyhome walk you through the buying process step by step
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What to take note of if you are a current HDB flat owner and want to sell it, to buy another
-
Why young couples should think long-term and consider bigger flat sizes
You can download HDB's app too.
Produced by: Ernest Luis and Christopher Lim
Edited by: Adam Azlee
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 33: Tips on responsible credit card use and borrowing
10:34 mins
Synopsis: In this podcast series, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
Ms Natalia Goh - head of credit cards and personal loans for Standard Chartered Bank Singapore - explains step by step, good habits to cultivate to manage your credit card use and borrowing, even if you are a seasoned credit card user.
- How to borrow within your means
- How to understand the credit product you are taking up
- How to pay on time
Write or list everything you spend daily and every month.
Look at the benefits of various perks for cashback cards, reward points, air miles and so on. Terms and conditions are clearly listed on bank websites these days too.
What is a strategy for those with rising outstanding credit card amounts?
Find out later on in this podcast episode, about the difference between debit and credit cards.
Produced by: Ernest LuisLike, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 32: Wine education for F&B trade professionals and enthusiasts
10:50 mins
Synopsis: In this podcast series, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
In an advanced economy like Singapore's, food and beverage employees who have certification after undergoing wine education courses, or who certify themselves after years in the industry, can raise their own professional values.
Can Skills Future offset the costs of such courses like the French Wine Scholar and Certified Specialist Of Wine programmes?
Veteran wine educator and international wine judge Lim Hwee Peng explains how enthusiasts who have business dealings here and in growing markets like China will find wine education beneficial.
Produced by: Ernest Luis and Christopher Lim
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 31: Using ST Wine to know more about wine investment and enjoyment10:30 mins Synopsis: In this podcast series, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. Wine consultant Roderic Proniewski - who runs Asia Wine Network - speaks about investing in wine. If you have little knowledge of wine, find out why ST Wine is a great way to dip one's toes in the worlds of both wine investment and enjoyment. Produced by: Ernest Luis and Christopher Lim Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 30: How to get started in robo-investing 9:11 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. In August 2018, WeInvest announced a collaboration with OCBC Bank to launch OCBC RoboInvest, where you need a minimum of $3,500 to get started. Mr Bhaskar Prabhakara - chief and co-founder of Singapore-based start-up WeInvest - explains how newbies and experienced investors can use robo-investing platforms. Find out which thematic portfolios you can consider for your own risk appetites, and his own favourite choices that include food-based companies or upcoming US technology leaders. Heard of the Singapore portfolio for conservative investors called Cash Is King in OCBC's RoboInvest scheme? Find out more in this episode. Produced by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd On website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
9:30 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
Is buying just one bundled policy for the rest of your life enough? Mr Walter de Oude, founder and chief executive of Singapore Life - a next generation life insurance company licensed by the Monetary Authority of Singapore - explains four simple steps to take after listening to this episode.
He explains the difference between life insurance and term life insurance and how you can consider a modular buying approach with an increasing trend towards term insurance for example, with specific plans and purposes.
Step 1: Decide your needs. Lump savings plan and insurance together? Or keep them separate? It's best these days to build as you go along as newer, better and more flexible products come to the market.
Step 2: Do a comparison across the market, especially for products like term insurance.
Step 3: Make the commitment to buy your insurance after you do your homework.
Step 4: Look at the building blocks of your long-term insurance needs. Ensure a shield plan first, critical event coverage and life insurance cover, and then, a disability income plan as the final step.
Produced by: Ernest Luis & Christopher Lim
Feedback to: podcast@sph.com.sg
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
iTunes: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
On website: http://str.sg/stpodcasts
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 28: How to make your credit card work harder for you
7:35 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
Ms Natalia Goh - head of credit cards and personal loans for Standard Chartered Bank Singapore - explains why practical Singaporeans love cashback cards like Standard Chartered's Unlimited Cashback Card.
It offers 1.5 per cent cashback on spending with no cap, and is among the best in the market, as The Straits Times had previously reported.
To make your credit card work harder, keep three pointers in mind:
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Know your lifestyle needs and spending habits
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Read and compare terms, conditions and benefits of credit cards online first, before applying
-
Look out for seasonal promotions, ahead of the approaching Christmas period for example
She gives us tips on how to look for different credit cards for different needs - ranging from petrol to dining, and online shopping.
Produced by: Ernest Luis
Like, subscribe and rate our Money Hacks podcast on:
Spotify: http://str.sg/oeGN
iTunes: http://str.sg/oeXe
Google podcasts: http://str.sg/oeGd
On website: http://str.sg/stpodcasts
Feedback to: podcast@sph.com.sg
Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 27: How technology helps you understand insurance policies and buy with confidence
9:30 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
Can a 100% digital approach help you plan your insurance or children's education or retirement needs, more simply and transparently?
Traditionally, companies might ask if you need insurance or other products, in simple yes or no terms. These days, a more holistic approach is being sought out by customers with the following questions for instance.
What does your life look like?
Are you a working professional? Are you planning a family? Do you have a family? Do you have ageing parents?
Looking at what products match your personal goals is what Singapore Life aims to do.
It is the first independent life insurance company licensed by the Monetary Authority of Singapore since 1987, with policies protected by the Policy Owners' Protection Scheme.
Singapore Life's founder and chief executive Walter de Oude and its chief technology officer Robert Ross, explain more in this podcast episode.
Produced by: Ernest Luis & Christopher Lim
Feedback to: podcast@sph.com.sg
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Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 26: How to achieve a $3,000-a-month retirement income by planning early
9:30 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
Retirement planning can be made simpler if we start to apply simple and established formulas to calculate what we need at the age of 65, assuming a continued lifespan of 20 years or so after that age.
Mr Walter de Oude, founder and chief executive of SingaporeLife - a next generation life insurance company licensed by the Monetary Authority of Singapore - explains two simple steps to take after listening to this episode.
Step 1: Start by looking at existing CPF calculators online, and read up on the CPF Life scheme for a start.
With the current CPF payout eligibiity age at 65, the CPF Life scheme - introduced in 2009 - provides a monthly income for as long as you live.
Step 2: How to add other formulas like the 4% rule to do a set of mental calculations, or even the "300" formula, where you take your current monthly expense figure and multiply it by 300.
The result is the figure you need in your kitty to keep up your lifestyle even after retirement.
Produced by: Ernest Luis & Christopher Lim
Feedback to: podcast@sph.com.sgLike, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 25 - Are you a good saver? Is it worth enjoying higher interest rates with OCBC 360 and UOB One following latest tweaks?
9:10 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
Local banks are introducing higher bonus interest rates to get customers to save more. From Nov 1, 2018, OCBC customers can earn an effective interest rate of up to 3.2 per cent per annum on the first $70,000 in their savings account known as the 360 account, when they fulfil some criteria.
The move comes after United Overseas Bank (UOB) in August raised the balance amount for which customers can earn maximum bonus interest.
Customers who have a UOB One account can receive an effective interest rate of up to 2.44 per cent per annum in bonus interest on their first $75,000 when they spend $500 on their credit card and credit their monthly salary of at least $2,000 or have three Giro debit transactions.
DBS Bank has a Multiplier account which can earn customers up to 3.5 per cent per annum in interest on the first $50,000, as long as the salary is credited into the account with two or more separate transactions with the bank. The transactions can include credit card spending, investments and mortgages.
Produced by: Ernest Luis & Christopher LimLike, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 24 - 5-step approach to wine collection, investment and enjoyment with local food 12:45 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. This episode is Part 2, following the previous Money Hacks topic aimed at wine collecting and investment. We present five steps to take after this episode: How to fit a wine fridge into a small space in your small apartment, key accessories you need, and how to start with a $13 budget. Pairing with local food? Try chardonnay with mee pok and merlot with prata or briyani. Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
10 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. This episode is aimed at wine collecting and investment. How to pick wines on sale, go for tasting events at supermarkets, and "gamify" wine investment for some releases by checking prices online over a period of time. Which are the "off vintages" you should go for, as they cost less up front than premium vintages, and also appreciate at a rapid rate Did you know you can study and appreciate wine through courses? Money Hacks co-host Chris Lim also happens to be a Certified Specialist of Wine (CSW) and a French Wine Scholar (FWS). He talks to co-host Ernest Luis on how to get started. Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 22 - How SMEs can use cryptocurrencies to raise capital 7:33 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. This episode is aimed at the crypto newbie who is looking to trade for a start, and in a smarter way too. What are 3 good industries to start investing in these days? The United States, Switzerland and Singapore are currently ranked in the top 3 of key global ICO (initial coin offerings) hubs, in a recent June report by accounting giant PwC’s strategy and consulting division. Small-and-medium enterprises (SMEs) can also raise capital with investors from across the world, instead of always looking inwards, as Mr Davy Goh - chief executive and founder of home-grown cryptocurrency exchange BCoin - tells us. For example, he explains how Uncle Ringo's famed travelling funfair company in Singapore is now thinking of using of tokenising to expand the business here and across the globe. Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Ep 21: How to network with crypto friends and an exchange community 7:33 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. This episode is aimed at the crypto newbie who is looking to trade for a start, and in a smarter way too, by joining a cryptocurrency exchange and the community around it through regular conferences and seminars. The chief executive and founder of homegrown cryptocurrency exchange BCoin - Davy Goh - tells us why we would need to use an exchange, and why it's not advisable to stay holed up alone at home online, and try to start in cryptocurrency investing and trading. Are your trading funds safe in BCoin's trading app? How is security ensured? Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks
Episode 20
Duration: 9:41 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.
How can digital marketplaces set up by banks help you save, and calculate various scenarios without the hassle of setting up numerous meetings or visiting branches? Can your personal information be safeguarded?
DBS Bank launched an online property marketplace in July 2018, that aggregates close to 100,000 listings from EdgeProp and Averspace and is intended as a one-stop shop where home buyers can browse listings and link up with utilities providers, as well as renovation, cleaning and moving services.
Ms P’ing Lim, DBS head of deposits & secured loans, and Ms Tok Geok Peng, DBS head of secured lending, talk us through and also allay concerns about maintaining your financial privacy.
Produced by: Ernest Luis & Christopher LimLike, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Episode 19 Duration: 8:58 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene. How much insurance coverage should you have and plan for? Are there principles working mothers or parents should bear in mind when it comes to financial planning, or if their income streams are affected by medical setbacks? How important is disability income for young and new parents? Mr Kelvin Goh, head of investments and wealth advisory, OCBC Bank, gives us good starter tips. Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks
Episode 18
Duration: 6:44 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene.
How do you put together an investment portfolio as a beginner? What is a portfolio? What are equities? What are recommended periods for long-term and short-term reviews of your investment portfolio?
Mr Kelvin Goh, head of investments and wealth advisory, OCBC Bank, gives us good starter tips.
Produced by: Ernest Luis & Christopher Lim
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.
Money Hacks Episode 17 Duration: 6:30 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene. Singaporeans love a good travel deal. The hardcore miles junkie is quite the species as they hunt and research the best ways to get the ultimate deals. Get some good starter tips in this episode. Is it better to redeem your miles for short-haul or long-haul flights? This and more tips from Mr Anthony Seow, head of unsecured loans and cards for DBS Bank. Produced by: Ernest Luis & Christopher Lim
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks
Episode 16
Duration: 8 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene.
We look at a few key travel spending hacks, ways to stretch money further when travelling overseas. Should you pay in Singapore dollars when using your credit card overseas? Should you bring only one credit card abroad, and why is it not advisable to carry too much cash?
Should you swop out your SIM card when overseas, and risk missing out on important bank alerts on possible fraudulent activity?
What are the top things to do and not to do, especially when you key in your personal identification number (PIN) at an ATM machine overseas and something goes wrong?
Mr Anthony Seow - head of unsecured loans and cards for DBS Bank - also explains how DBS' multi-currency account can help you shop online, spend abroad or invest in markets at your preferred rate.
Produced by: Ernest Luis & Christopher Lim
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.
Money Hacks Episode 15 Duration: 7 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene. What are the common mistakes older Singaporean adults make when it comes to planning their finances for the next decade or so? Do they need to factor inflation rates and how often should they review this? How about retirement calculators, like those by the CPF, to make good estimates? How can credit card debt be effectively reduced before reaching retirement age? Mr Vipin Kalra, CEO of BankBazaar International, offers tips on how to do this systematically. Produced by: Ernest Luis
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks Episode 14 Duration: 8 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene. Are younger adults and millennials in Singapore value seekers, when it comes to financial services? Should they look at the CPF scheme as one good reliable and solid way to plan financially for the future? If they want to have 10%, 20%, or even 50% more in their CPF when they retire, are they heading down the right track? Mr Vipin Kalra, CEO of BankBazaar International, offers tips on how to approach the CPF scheme with a focused mindset. Produced by: Ernest Luis
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.
See omnystudio.com/listener for privacy information.
Money Hacks
Episode 13
Duration: 10:49 mins
Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene.
Can first-time HDB home buyers take a bank loan? What are the differences between opting for a bank loan or a HDB loan?
What about couples in their late 40s or 50s thinking of buying a second property for investment options? What are the considerations to factor in? What are the trends for such couples in Singapore?
Ms Tok Geok Peng, head of secured lending for DBS Bank, answers our questions and lists the top three misconceptions when it comes to mortgages.
Produced by: Ernest Luis & Christopher Lim
Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Feedback to: podcast@sph.com.sg Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.