Money Hacks

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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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 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/btlensonSee omnystudio.com/listener for privacy information.

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 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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, 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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 TimesSee 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/btlensonSee 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, SGBudgetBabe, a leading personal finance influencer based in Singapore and Brian Seetoh, financial services manager, PhilipCapital 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, SGBudgetBabe, a leading personal finance influencer based in Singapore and Brian Seetoh, financial services manager, PhilipCapital 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/btlensonSee 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/btlensonSee 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 or 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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/btlensonSee 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. --- 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/btlensonSee 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/btlensonSee 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.