Your Money & Career

Gaining exposure, cultural conflictions and intergenerational discussions are all part of the road to inheriting a family business. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Family businesses have been in the spotlight, after the CDL saga that saw father and son in a tussle for control over one of Singapore’s largest companies. But whether it is about inheriting family businesses or family wealth, the process is not a straightforward one. Banks and financial organisations prepare young people to take over family wealth, through programmes and even boot camps. So how does wealth planning work, and how do youths take over their family businesses? In this episode, ST business correspondent Sue-Ann Tan looks at what wealthy kids do to prepare to inherit wealth and companies. Her guests are Darren Hui, who will one day lead his family’s property management business, and former national athlete Kendrick Lee who co-founded Raffles Family Office. Highlights (click/tap above): 5:35 What is family legacy planning and governance? 7:30 The challenges the next generation faces 9:00 Generational differences between father and son 10:49 What difficulties has the family office seen in dealing with multiple generations? 18:02 When did you first realise you were going to inherit the business? 21:00 Will Kendrick let his children take over the business? 22:36 Going from national athlete to family office Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

An entrepreneur shares his hard-earned lessons on working with one’s hands. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. For much of human history, manual work and the skilled trades have been the default way to earn your keep. Even in a small, advanced economy such as Singapore, there remains a need for this work to be done, that requires a mix of hard graft and mindfulness. To piece together how to be successful in the trades, ST correspondent Tay Hong Yi speaks with his guest, an entrepreneur who slogged to build businesses across landscaping, hospitality and outdoor education. His guest is: Mr Clarence Chua, co-founder of The Sundowner Nature Experience Centre Highlights (click/tap above): 1:53 Did Clarence always know he would be working a skilled trade? 10:07 What is the most satisfying part of Clarence’s job? 11:18 Tips for those hoping to pursue a skilled trade 21:06 Dealing with parental disapproval Read about Mr Chua’s work here: https://str.sg/iiCi Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Three students in their early 20s tell us how they're approaching this. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Retirement used to be a word for middle-aged workers, perhaps as they started to think of how to lay up enough savings to enjoy their twilight years. But with movements like Fire - also known as financial independence, retire early - younger workers are starting to talk about retirement and prepare for the time they can kick their feet back and stop working. And for university students in their early 20s, preparing for retirement is already underway, to hit their goals of retiring early and to fund their ideal retirement lifestyles. So how early should you think of retirement and how can you plan for it? In this episode, ST business correspondent Sue-Ann Tan looks at retirement planning even when you're in your 20s and if Fire can really work. Her guests are three NTU students in their early 20s - Tina Aw, Charmaine Chia and Aurene Graciella. Highlights (click/tap above): 1:51 How old were you when you first thought about retirement? 5:33 Hustling from the age of 12 to achieve Fire 8:20 The mental and social costs of Fire 9:15 What is your ideal retirement age? 11:58 How are you preparing for retirement? 24:56 How much will you need per month in retirement? 27:44 Will you consider micro-retirement? Listen to "Should we play with FIRE?": https://str.sg/5mHc Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcasts website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Recent high-profile office return mandates belie a broader availability of flexi-work options from more firms. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Those of us who are humming along at a comfortable rhythm with hybrid work might have watched with worry recent developments of major firms insisting on five days in office a week by default. After all, it seemed like an equilibrium was reached in the years following the Covid-19 pandemic of working remotely for at least part of the week. Moreover, this comes after Singapore has issued landmark guidelines that make putting in place a process to fairly evaluate flexi-work arrangement requests compulsory. To piece together what to make of this mixed outlook, ST correspondent Tay Hong Yi speaks with his guest, a two-decade corporate veteran who now works with industry players to put in place progressive workplace practices. His guest is: Mr Aslam Sardar, chief executive of the Institute for Human Resource Professionals Highlights (click/tap above): 2:20 What is driving some employers to get workers back in the office so often? 5:11 Flexi-work arrangements are still more prevalent than before 7:57 Is there a chance of a “domino effect” of firms issuing office return mandates, one after the other? 15:31 How are employers here weighing up their options for office returns? 21:07 What to do if your employer asks you to return to the office more often Read about recent moves to make flexi-work more pervasive here: https://str.sg/tgoM Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

A master's can help you get ahead in your career, but consider the expenses involved carefully too. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. It’s a question that comes up in our 20s and 30s - if we need additional educational qualifications to give us a leg up in our careers. But how do you decide whether to pursue a master’s degree? How do you go about choosing courses, and most crucially, how do you finance such an endeavour? In this episode, ST business correspondent Sue-Ann Tan looks at whether you should do a master’s and what to consider before plunging into it. Her guests are Charmaine Yee who studied an MSc in wealth management and now works in private equity, and expert Kenneth Tan from OCBC who is Managing Director of consumer unsecured lending. Highlights (click/tap above): 3:46 How her master’s got her into private equity 5:06 Do you need an MBA to work in finance? 10:11 How much does a master’s cost? 13:54 How do I fund a master’s? 18:36 Planning now to do a master’s five years later 20:54 Transitioning from work to school again 25:22 How about working and studying part time? Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Major shifts in the job market and employer practices make for more options but tougher decisions too. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Singapore’s tertiary education system has been shaken up in recent years, with polytechnics and universities among those seeing major changes. These include apprenticeships, structured talent programmes, industry attachments, longer-duration internships and even global exposure opportunities that raise the skills bar and prepare students for skilled roles from the outset. On one hand, some employers, especially in technical fields, seek for diploma graduates who enter the workforce earlier than others in their cohort and gain skills on the job. On the other, there is a push to grow the proportion of the cohort enrolled in university for further studies. ST correspondent Tay Hong Yi speaks with his guest, a seasoned education expert on how to make sense of these different forces in charting out your own education and career path. His guest is: Associate Professor Jason Tan, who studies education policy, curriculum and leadership at the National Institute of Education Highlights (click/tap above): 2:10 Where are these shifts in the tertiary education system stemming from? 5:49 Does this mean there are more pathways to meet industry needs from an earlier age? 10:35 What are the challenges that come with these changes? 16:34 Pay structures that look strictly at paper qualifications may not reflect differences in skills 18:08 Keeping an open mind on the best choice Read about one such recent change: https://str.sg/ioJA Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

CDC vouchers are welcome, but young people also want more housing, jobs and childcare help. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Budget 2025 has come and gone - the time we Singaporeans look for some free money and vouchers. This year, a big theme was around helping to alleviate the cost of living especially with inflation in the last few years. But exactly how much did the Budget have for us young people in our 20s and 30s, and what are the remaining problems that are untackled? In this episode, ST business correspondent Sue-Ann Tan looks at what the Budget gave and what young people might want from it in the future. Her guests are young financial literacy expert from DBS Shawn Lee, and investment strategy managing director Vasu Menon from OCBC. Highlights (click/tap above): 1:39 What were the top three Budget goodies for us? 6:15 Help for young parents and families 8:58 Feeling the cost of living pinch 12:21 No housing measures this Budget? 18:31 Help for young people looking for jobs? 25:10 What would you tell PM Wong given the chance? 27:44 Giving your Budget 2026 wishlist Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

An expert shows how fresh entrants to the workforce can gain the prior experience employers increasingly seek. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. It seems paradoxical for prospective employers to seek prior experience even for entry-level roles. This reflects the rising bar expected of fresh entrants to the job market. However, employers are becoming more open-minded towards what constitutes relevant prior experience. ST correspondent Tay Hong Yi speaks with his guest, a seasoned career expert who has worked with tertiary students from different backgrounds, on the help at hand. His guest is: Ms Sarah Neo, head of the career development office at the Singapore University of Social Sciences. Highlights (click/tap above): 1:55 Why are employers increasingly seeking prior experience even for entry-level roles? 4:13 The forms such experience can take, from internships to hackathons 9:05 Is it realistic to expect ever more prior experience from students before graduation? 11:58 How can students who lack experience still land that first job? 14:15 What does Sarah recommend those who remain undecided about their future careers do? Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Do your homework and hold for the long term - these are among expert tips for stock picking. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. There are so many different methods to invest these days - from buying roboportfolios, to exchange traded funds or index funds benchmarked to certain indices. But there are also investors who wish to pick their own stocks because they are convinced of their increasing value. This particularly occurs when it comes to tech stocks that might be rapidly rising, or when certain industries show strong potential for growth. But how does someone go about stock picking and what are the risks involved? In this episode, ST business correspondent Sue-Ann Tan looks at how people can choose solid stocks in the volatile environment of 2025. Her guests are young investor Troy Cheng and ex-ST journalist and veteran market watcher Ven Sreenivasan. Highlights (click/tap above): 1:42 What is stock picking and how to go about it? 6:00 How to decide if stocks are overvalued or undervalued? 8:10 Where do you get your stock picking recommendations from? 11:41 Which industries are promising in 2025? 15:47 What to know before jumping into overseas stock markets? 20:14 Looking at the Chinese stock market 25:09 Opportunities in the Singapore market Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Conditions such as ADHD, autism and dyslexia, as well as the ways one lives with these conditions, can provide fresh ways of thinking. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Neurodivergence: A big word, but one imbued with the simple promise of progress. It means to recognise that brains may be wired differently between different people, causing perceptible differences in information processing and social relations, impacting both work and personal life. ST correspondent Tay Hong Yi, who was himself diagnosed with attention-deficit hyperactivity disorder (ADHD) aged 27, talks about the emerging consciousness of neurodivergence and the importance of supporting the neurodivergent to fulfil their potential with his guests. His guests are: Mr Rumi Mohd, associate director for sales and marketing hiring at Randstad Singapore, who was diagnosed with dyslexia as a child Mr Himanshu Chaudhari, a finance professional diagnosed with ADHD in adulthood and board member of awareness group Unlocking ADHD Highlights (click/tap above): 02:30 How did the guests find out about their condition? 05:31 How did their conditions affect them at work? 10:34 What can employers do to meaningfully support neurodivergent team members? 14:33 Is it a good idea to disclose one’s neurodivergence to employers? 20:33 Has anyone ever dismissed the guests’ neurodivergence? 25:17 Is neurodivergence a “superpower”? Read more about neurodivergence in the workplace: https://str.sg/CZz6 Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

A young start-up founder talks about quitting his job to take the path less trodden, and discuss with DBS the ingredients for success. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Gen Zs are embracing the entrepreneurial life. Instead of working for someone, they want to start their own companies, sometimes fresh out of school. There are also more entrepreneurial programmes for them even in secondary schools. Online platforms also let them start businesses online and have a wider audience for their products and services. But what exactly is involved in starting a start-up? Is it something only for the rich kids or is it within reach of everyone? In this episode, ST business correspondent Sue-Ann Tan looks at how people can start their own business even in their 20s, and what’s involved in the process. Her guests are Accredify founder Quah Zheng Wei, who started his business aged 27, and DBS Head of Corporate and SME Banking Koh Kar Siong. Highlights (click/tap above): 1:52 The steps to starting a start-up 5:33 Quitting his banking job to venture out on his own 8:39 Entrepreneurs as young as 12 14:40 How to get funding 21:16 What defines a successful start-up and what’s the survival rate? 24:28 What are your ingredients for success? 28:05 Will starting my own business make me rich? Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Good leadership that inspires confidence cuts across age. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. It isn't possible to draw lines along age, tenure, skill and leadership in the working world as neatly as previously. The image of top leaders has expanded beyond the notion of someone assuming their position after a long-drawn process. This is a convention upended, perhaps most prominently, by the heady proliferation of influential start-ups with precociously young leaders at the helm, one of whom journalist Tay Hong Yi spoke to in the latest episode of Headstart On Record His guest is: Mr Looi Qin En, partner at venture capital firm Saison Capital, who co-founded careers discovery platform Glints. Highlights (click/tap above): 2:00 How did Glints' co-founders start a business that young? 3:20 How did Qin En grow both his technical skills and soft skills so quickly? 6:30 How to convince people to look past your age as a young leader? 14:53 How to inspire confidence among those you lead? 16:59 Has Qin En ever felt he has peaked early in his career? 20:32 Where young leaders have the most room to learn Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Two avid travellers reveal their top hacks, where to sit on the plane and how to cut the budget while having fun. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Singaporeans love to travel. In a survey, people said one overseas trip a year is essential. But how do we travel well while still maintaining our budgets? Would you travel to Europe but eat cup noodles to save money? In this episode, ST business correspondent Sue-Ann Tan looks at the top travel hacks from experts, how people achieve “budget comfort” and upgrade the travel experience without splurging thousands of dollars.  Her guests are Youtrip chief operating officer Kelvin Lam, who once left his investment banking job to be a full-time backpacker, and youthful “budget comfort” traveller Prisca Ang.   Highlights (click/tap above): 2:00 How Prisca spent $3,500 for seven cities in 10 days in Japan  8:33 Should I take a direct flight or layover; top travel hacks; benefits of (being near) youth hostels  13:59 Flight hacks: what to pack, where to sit, sales 18:00 How much is too much to spend on travel? 23:45 Prioritising experiences, rather than just seeing famous sights 33:00 Must you take at least one overseas holiday a year?  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

The move may be difficult, but can be rewarding for both personal and professional development. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Talents with overseas exposure are coveted for their ability to help companies realise their global aspirations. There is also robust appetite among Singapore talents to work abroad. However, employers frequently find it challenging to convince talents here to take up overseas opportunities. Journalist Tay Hong Yi speaks to those who have navigated and are helping others to navigate this complex undertaking to work abroad to shed light on the dilemma. His guests are: Dr Nadir Zafar, chief experience officer at the Human Capital Leadership Institute and director of the Singapore Leaders Network Ms Cheryl Lin, a business analyst based in Copenhagen who moved there for further studies Highlights (click/tap above): 2:39 What are the pathways to working abroad? 5:23 What are some of the trade-offs to consider? 7:52 Why do employers find it especially challenging to convince talents to move elsewhere? 16:58 What can you do to increase the chances of an offer? 24:57 What support is needed to increase the number of locals who work abroad to develop professionally? Read the feature by Kai Xiang discussed on the podcast: https://str.sg/dPro Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #headstartSee omnystudio.com/listener for privacy information.

DBS' sustainability chief reveals ways to get into sustainability and why sustainable finance matters. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. The warmer the weather, the more we feel the impact of human activities on climate change. But how do we make a difference? Should we find jobs that work on sustainability, particularly on the environment front? Or invest in more meaningful asset classes in the sustainability field?  In this episode, ST business correspondent Sue-Ann Tan examines why sustainability matters, how to get a job in the ESG field, and what we can do in our daily lives and with our investing to contribute to a more sustainable world.  Her guest, Helge Muenkel, also describes how his career started with a Masters in development economics, and the twists and turns he made before finally landing in his current position as DBS chief sustainability officer.  Highlights (click/tap above): 6:52 What skills do I need to work in sustainability? 10:20 What is sustainable finance?  12:47 Do my individual efforts make a difference? 15:07 How caring about climate change protects what we love 26:03 Three little things you can do to change the world Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Observing with empathy, asking the right questions and listening will go a long way to charting out how to give meaningful support. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Diversity, equity and inclusion are aspirational ideals that have permeated conversations of work life and good employment. Yet, there is still room for improvement when it comes to putting these aspirations into practice, if a survey on diversity issues commissioned by The Straits Times and release in August is anything to go by. In this episode, ST journalist Tay Hong Yi finds out how employers and employees both have their part to play in making workplaces more inclusive in meaningful ways without patronising those who benefit. His guests are: Ms Winifred Ling, a couples therapist and relationship coach who has lived with an invisible disability for close to two decades Ms Hsu Yi Peng, a young leader who helmed an initiative to provide students with diverse needs internship opportunities at her company, HSBC, on top of her day job as a product specialist. Highlights (click/tap above): 1:46 How did the idea of diversity, equity and inclusion come to the guests' attention? 5:01 What was the learning curve like for Yi Peng when she took on the initiative? 9:20 Should employers or employees lead the charge to promote inclusion? 13:20 How did HSBC devise the support moves for students in the initiative? 19:12 How to balance between providing accommodations and seeing individuals for who they are beyond their traits? Read the feature by Rosalind Ang discussed on the podcast: https://str.sg/x4oC Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow HeadSTart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #headstartSee omnystudio.com/listener for privacy information.

We don't all have to live frugally and retire by 40 years old, but we need to be financially disciplined so we can retire meaningfully. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. FIRE in this context, stands for financial independence, retire early - a movement that points to the desire to retire earlier than the usual age range of 65 to 70, through a regime of aggressive investing, saving and frugality during one's working years.  In this episode, ST business correspondent Sue-Ann Tan investigates if Fire is for everyone, and if there are other ways to sustainably achieve financial freedom and retire at leisure.  Her guests are Mr He Ruiming, 35, who as co-founder of the Woke Salaryman, talks about how he initially wanted to retire at the age of 32, and DBS financial literacy expert Lorna Tan, who feels that retiring meaningfully is more important to her.  Highlights (click/tap above): 1:42 What are the different types of Fire? 3:14 Ruiming's journey to achieve Fire by the age of 32 9:40 If I'm 25 now, what should I do to retire at 40?  12:56 What Ruiming wished he knew when he was younger 16:45 Lorna's alternative to Fire, which is 'Firm' - financial independence, retiring meaningfully  21:46 Trends like loud budgeting which support more financial discipline  27:29 Using excel spreadsheets to track finances and goals  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow HeadSTart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #headstartSee omnystudio.com/listener for privacy information.

Salaries need to be structured more flexibly to reflect broader aspirations. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Views on pay issues vary widely among young workers depending on their professional and life goals. This was borne out in a survey of 1,000 young people commissioned by The Straits Times, carried out in May by market research firm Kantar and released in August. In this episode, ST journalist Tay Hong Yi digs deeper into the implications of the results and underlying beliefs that give rise to different attitudes. His guests are Dr Fermin Diez, a researcher on compensation issues with over 30 years of corporate experience, and young professional Jonathan Ng, a business development manager with robotics company Otsaw – all while studying for a degree in marketing at the Singapore University of Social Sciences. Highlights (click/tap above): 2:38 How has working and studying at the same time influenced Jonathan's views on salary? 4:10 How have career norms shifted? 8:33 Are companies keeping up with these shifting norms in how pay is designed? 12:43 Why does satisfaction with one's salary and work-life balance decline with age? 15:29 Disclosing salary details  22:14 How can employers deal with inter-generational differences on how pay is perceived? Read the feature by Prisca Ang discussed on the podcast: https://str.sg/9aLR Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow HeadSTart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's HeadSTart newsletter: str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #headstartSee omnystudio.com/listener for privacy information.

Start early, compound your wealth, and try not to beat the market.  Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Finance literacy experts always tell us to “start young” so we can make full use of the effect of compounding and grow our wealth from a young age.  But how early is early enough for first-time, young investors? Can an undergraduate without a full-time job start investing? Crucially, if someone has just $100 a month to invest, what can they do with that amount?  In this episode, ST business correspondent Sue-Ann Tan also looks at how university investing clubs help undergraduates to start growing their money, and the first investments that they can buy to begin.  Her guests are Associate Professor of Finance Matthew Dearth from NTU who brings 30 years of finance experience, and NTU undergraduate Victor Tan, who has invested since age 18.  The NTU Investment Interactive Club helps to link students to the finance community and hone their practical investing skills. It was founded in 1999 and now has over 5,000 members. Highlights (click/tap above): 1:30 How did Victor start investing at 18?  4:53 What's the recommended age for people to start investing? 9:25 What products should people buy as a first investment? 12:17 Should we try to beat the market or do individual stock picking? 16:06 The biggest investment mistakes our guests have made 21:27 Where do you get your investing advice or knowledge from?  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow HeadSTart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's HeadSTart newsletter: str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #headstartSee omnystudio.com/listener for privacy information.

Here's a sneak peek into our rebranded podcast channel. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Our previous Money and Career podcast channel is now rebranded HeadSTart on Record, taking on a fresher and sharper approach on how to chase your aspirations and grow your money.  Hosts Sue-Ann Tan and Tay Hong Yi will speak with guests on how to navigate jobs and finances in a daunting, complex world.  Hong Yi has been covering manpower and talent topics for ST, with a focus on careers, the job market and workforce trends.  Sue-Ann will look at how to invest your money and the delicate balancing act between saving and living. Sept 2 Monday sees her first episode dropping across our audio platforms and the ST app. Stay tuned for more episodes on chewy topics like how far would you go for your pay cheque and how you can invest from age 18. Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/D6vT Get business/career tips in ST's HeadSTart newsletter: str.sg/headstart-nl Produced by: Sue-Ann Tan (suetan@sph.com.sg), Tay Hong Yi (hytay@sph.com.sg),  Ernest Luis and Amirul Karim Edited by: Amirul Karim Follow HeadSTart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get ST's app (with a dedicated podcast player section): The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #moneycareer #stpodcasttrSee omnystudio.com/listener for privacy information.

A well-written job description helps employers and jobseekers find the right fit. Synopsis: Every second Monday of the month, The Straits Times helps you put your career on the right footing from the outset. The job search is never easy, with limited time and lots of ground to cover. This means it is important to be able to suss out, with confidence, the likelihood a job opportunity is the right one to put your chips into, starting from understanding what job advertisements are saying. Host Tay Hong Yi speaks with a seasoned headhunter who has helped plenty of clients through this process over nearly 20 years. His guest is Ms Agnes Yee, executive director for interim solutions and legal practice at Kerry Consulting. Highlights (click/tap above): 1:27 What does the way a job opening is described say about employers? 6:58 Why a less specific description may not always be a bad thing 15:20 Why is meeting all stated job requirements not always enough? 22:51 What to make of “quirky” job descriptions? Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Hadyu Rahim Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

Can mid-lifers breathe new life into stale careers with social media? Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. Will a leap into social media rain new work opportunities for a stale middle-age career? Will being on TikTok, YouTube, Facebook, Instagram and more show the boss that mid-lifers are still in tune with technology and on-trend? Join me and my special co-host, senior transport correspondent Lee Nian Tjoe in this episode of Work Talk. We will explore the potential of social media for mature careers that need a second wind. Our guests are Mr Walter Lim, founder of marketing agency Cooler Insights, and Ms Jessly Chew, an associate director at recruitment agency Michael Page. Together, we will delve into the possibilities, pitfalls and planning for mid-lifers who are curious about putting out their first TikTok or YouTube video, Instagram or LinkedIn post. Listen and get started! Highlights (click/tap above): 2:50 What a strong social media presence does for job seekers. 5:45 Enhancing the perception of being tech-savvy and adaptable. 9:45 The importance of authenticity and pitfalls of oversharing. 11:44 Leveraging different platforms to showcase skills and interests. 14:08 Tips for a content strategy, and the importance of planning and interaction on social media. Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis and Amirul Karim Edited by: Amirul Karim Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's articles: https://str.sg/wB2P Follow Krist Boo on LinkedIn: https://str.sg/shcB Read Lee Nian Tjoe's articles: https://str.sg/wt8G Follow Lee Nian Tjoe on LinkedIn: https://str.sg/iqkJ Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

What are the strengths and weaknesses as of today, since the Catalist board was set up in 2007? Synopsis: Senior columnist Ven Sreenivasan offers you an extra edge in managing your hard-earned money. In this episode, Ven hosts Ong Hwee Li, the chief executive officer of SAC Capital. SAC specialises in areas like investment banking, corporate mergers and acquisitions, initial public offerings and equities research. They look at the profile of a segment of the Singapore market, Catalist. Sometimes referred to as the “junior board”, the Catalist board was set up in 2007 to cater for companies which do not meet the full earnings track record or compliance requirement for mainboard listing. Today, there are about 207 Catalist companies listed on the Singapore Exchange, whose total market cap is about S$642 billion. Catalist companies account for S$8.5 billion of this. SAC Capital is particularly known as a sponsor of companies which come to market via Catalist listings. Does Mr Ong see non-sponsor activities being a conflict for such sponsors? How can such sponsors help Catalist companies to become better, improve their reputation and standing on the SGX?  Highlights (click/tap above): 1:40 Stagnant Singapore equities market? Delistings overtaking new listings, and is there a lack of communications between listed companies and the markets? 3:30 On 'hidden gem' Catalist stocks; what is the role of a Catalist sponsor? 5:16 How SAC Capital prevents breaches from happening; what happens if Catalist sponsors are removed?   7:13 Are non-sponsor activities a conflict for sponsors?  8:20 How can sponsors help Catalist companies to become better, and improve their reputation and standing on the SGX? Produced by: Ven Sreenivasan (ven@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Ven Sreenivasan's articles: https://str.sg/wuQe Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- 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. #moneycareerSee omnystudio.com/listener for privacy information.

Long internships are just one form of the many talent schemes that are accepted by employers. Synopsis: Every second Monday of the month, The Straits Times helps you put your career on the right footing from the outset. The job search is getting increasingly complex as the range of options broaden. Employers are also placing increasing focus on grooming talent in a more structured way to let them learn more and perform better. Host Tay Hong Yi speaks with his guests on the bevy of talent schemes companies have developed to fill their talent needs, including a two-year rotational internship in the case of German enterprise software giant SAP. His guests are: Ms Betul Genc, senior vice-president and head of Asean at Adecco Ms Jean Ooi, Student Training and Rotation (Star) programme manager at SAP Mr Choy Zhan Hao, a recent Star alum and business development executive at SAP Highlights (click/tap above): 1:45 Why employers create the various forms of talent schemes 4:50 Why take interns in for two-year stints? 10:20 How do firms cater to graduates and students for talent schemes? 12:56 How to balance work and studies while working as an intern for two years? 15:45 Spot the signs of a good talent scheme that is worth joining 23:20 Does it ever feel weird to be an intern for two years? Read more: https://str.sg/pJzf Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Hadyu Rahim Edited by: Hadyu Rahim Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

The iron rice bowl is still sturdy, but demands on Singapore's public service have changed. Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. With 152,000 employees across 16 ministries and more than 40 agencies, the public service is the biggest department in town.   It reports to the government, but has a higher boss - Singaporeans who scrutinise its performance and spending. Why would somebody want to be a public servant?  Can you have a good public service career without a degree? Will the public service ever lay off workers in this era of AI disruption?   We take on these questions, and take a look at its bigger challenges and mission. Join host Krist Boo and the Minister-in-charge of the Public Service - Chan Chun Sing - for this 31st episode of Work Talk. Highlights (click/tap above): 1:43 What has changed for the public service in recent years? 7:13 Can a rank-and-file public servant make a difference? 10:11 Is joining the public service without a degree a career non-starter? 11:12 Will we ever see layoffs in the public service? 17:27 Can a mid-career jobseeker find success in the public sector? Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis and Amirul Karim Edited by: Amirul Karim Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's articles: https://str.sg/wB2P Follow Krist Boo on LinkedIn: https://str.sg/shcB Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

"Why invest in Singapore, when you can invest in the US?" Our guest expert counters this argument with facts and his opinion. Synopsis: Every third Monday of the month, senior columnist Ven Sreenivasan offers you an extra edge in managing your hard-earned money. In this episode, Ven hosts Thilan Wickramesinghe - regional head of research at Maybank Securities - to look at the investment outlook from our vantage point in Singapore, at the halfway mark of June, in 2024. This also comes against the backdrop of the new Prime Minister Lawrence Wong sworn in on May 15, taking over from Mr Lee Hsien Loong, now Senior Minister. They also cover opportunities that include bringing to fruition nascent projects such as the Johor-Singapore Special Economic Zone (SEZ). Ideas mooted under the zone include a passport-free QR code system to speed up immigration clearance and a one-stop business and investment service centre in Johor to make it easier for Singapore businesses to set up shop there. Highlights (click/tap above): 1:11 What is the outlook for Singapore's GDP for the rest of the year?  6:06 The 1Q 2024 results season just concluded: Major takeaways 8:32 There is a new PM and Cabinet for Singapore in place: How Singapore is benefitting from safe haven flows and a strong ecosystem for start-ups and innovation 11:10 On the Johor-Singapore SEZ: After previous attempts, what is different this time round and what are the opportunities? 13:55 "Why invest in Singapore, when you can invest in the US?": Is this a valid statement and how should investors think about South-east Asian markets? 16:26 Discover Thilan's top stock picks in Singapore at the halfway mark of 2024 and reasons for his choices Produced by: Ven Sreenivasan (ven@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Ven Sreenivasan's articles: https://str.sg/wuQe Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- 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. #moneycareerSee omnystudio.com/listener for privacy information.

Robust job prospects amid artificial intelligence race, despite trade tensions Synopsis: Every second Monday of the month, The Straits Times helps you put your career on the right footing from the outset. The semiconductor industry has been a fixture of Singapore's advanced manufacturing space since 1968. The industry has grown from strength to strength, and is now reentering the forefront of the global economy as companies hunger for hardware with the raw computing power to support intensive development of advanced artificial intelligence. In this episode, host Tay Hong Yi speaks with his guests on job demand in the semiconductor sector. His guests are: Mr Ang Wee Seng, executive director, Singapore Semiconductor Industry Association Ms Sim Cher Wee, vice-president of strategy, technology and talent acquisition at Micron Highlights (click/tap above): 1:57 Why is the semiconductor industry so important to Singapore? 4:18 The wide range of roles available beyond electronic engineering 13:42 What can small and medium-sized enterprises in the sector offer? 17:03 Talent challenges the sector faces and initiatives in place 24:16 Will ongoing trade tensions affect job prospects? Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Hadyu Rahim Edited by: Hadyu Rahim Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

How is the government's $1.3 billion budget working for SMEs so far? We invite them on the show. Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. It is June, the mid-point of 2024. Join Krist Boo and her co-host Timothy Goh on Work Talk to hear how Singapore's Budget 2024 measures are affecting small and medium enterprises (SMEs).  Joining them are Mr Ang Yuit, president of the Association of SMEs, and Dr Ramesh Rajentheran of AI healthcare start-up MiyaHealth.  SMEs are broadly struggling this year due to trade tensions, disruption from artificial intelligence, and manpower challenges. Start-ups face a chilly 'funding winter'.  Which part of the 2024 Budget package of support measures are useful to businesses in meeting the challenges? What more do our entrepreneurs wish for? And if the government has started thinking of Budget 2025, what do our SME guests hope to see included?  In a year marked by various disruptions, what is the hard question for businesses? This episode of WorkTalk is brought to you by the Ministry of Finance: https://www.mof.gov.sg/singaporebudget Highlights (click/tap above): 1:40 Why it's a challenging 2024 for SMEs so far 3:39 "Funding nuclear winter" for start-ups; coming at a bad time in region 6:28 On the idea of the Overseas Markets Immersion Programme 7:15 SkillsFuture could align workforce training with industry needs 13:32 Why corporate venture capital incentivised by the government could help support start-ups 19:50 Change is certain, firms with no long-term viability should face realityMore on Budget 2024: http://www.singaporebudget.gov.sg/   Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis and Amirul Karim Edited by: Amirul Karim Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's articles: https://str.sg/wB2P Follow Krist Boo on LinkedIn: https://str.sg/shcB Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

Hear why active ETFs are becoming more popular.   Synopsis: Every third Monday of the month, hosts Lee Su Shyan and Ven Sreenivasan - both senior columnists at The Straits Times - offer you an extra edge in managing your hard-earned money. In this episode, J.P. Morgan Asset Management's Apac head of ETF - Philippe El-Asmar - discusses the growth of ETFs in Asia. In particular, there is a growing focus on active ETFs. Being actively managed, they may offer better returns. However, what are the risks? Highlights (click/tap above):  2:05 Growth of the ETF market    5:20 Misconceptions that all ETFs are passive ones  6:25 ETFs are also used by institutional investors, not just retail investors    7:50 What are fixed income ETFs?  9:45 Advantages of investing in active ETFs  12:50 Risks to be aware of when investing active ETFs Produced by: Lee Su Shyan (sushyan@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Lee Su Shyan's articles: https://str.sg/wuQs Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- 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. #moneycareerSee omnystudio.com/listener for privacy information.

Adult learning research shows “productive failure” builds tenacity and deepens learning. Synopsis: Every second Monday of the month, The Straits Times helps you put your career on the right footing from the outset. Failure is not fatal. Instead, organisations and individuals can set themselves up to learn from each failure better and faster. However, this requires thought and effort to be put into fostering productive failure. In this episode, host Tay Hong Yi speaks with his guest on how to make productive failure work. His guest is Associate Professor Sim Soo Kheng, director of the innovation centre at the Institute for Adult Learning. Highlights (click/tap above): 1:24 How is failure the mother of success? 4:51 Creating safe spaces to fail in 10:52 Is productive failure impossible in high-stakes roles like medicine? 16:47 What can you do to learn well from the approach? 21:56 Prof Sim's own brush with productive failure Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Hadyu Rahim Edited by: Hadyu Rahim Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

The promise of it transforming our work lives is happening, but maybe not in the way we expected it to. Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. It has been 18 months since ChatGPT's public debut. Has the technology touted to change our work lives been helpful, but underwhelming? Or is it us? Of course, we had to ask gen AI Claude to produce our synopsis: This podcast goes beyond AI hype to explore surprising realities. Executives anticipate huge productivity gains, but the real disruption may lie in automating mundane tasks. Lawyers and students face skill shifts as research becomes effortless. Most intriguingly, could AI enable Singapore to "insource" outsourced work affordably? Uncover fresh perspectives on AI's quiet revolution reshaping jobs. Join me and my special co-host Davidson Chua, a second-year student of business analytics at NUS, in our conversation with Messrs Laurence Liew and Lewis Garrad.  Laurence is the director for AI innovation at AI Singapore, and Lewis is a partner and the Asia career practice partner at consultancy Mercer. We hope you'd enjoy this 29th episode of Work Talk, our podcast series to help you work smarter, think deeper and get ahead in your work life. Highlights (click/tap above): 02:22: Has gen AI underwhelmed? 04:29: Are companies really using it? 05:17: Let's generate more content, because we can 07:56: Forget the old ways of learning 14:16: How Laurence wrote a book, with Gemini as his biographer Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis, Teo Tong Kai and Amirul Karim Edited by: Amirul Karim Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's articles: https://str.sg/wB2P Follow Krist Boo on LinkedIn: https://str.sg/shcB Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u In Your Opinion: https://str.sg/w7Qt COE Watch: https://str.sg/iTtE Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX --- ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #moneycareerSee omnystudio.com/listener for privacy information.

Consider other markets and the wider US tech sector.  Synopsis: Every third Monday of the month, hosts Lee Su Shyan and Ven Sreenivasan - both senior columnists at The Straits Times - offer you an extra edge in managing your hard-earned money. In this episode, Mr Adam Reynolds, Asia-Pacific CEO of Saxo, discusses the large exposure many investors have to the US tech stocks. What are the implications for them if the stocks face headwinds and how can they diversify? Highlights (click/tap above):  2:12 Headwinds that the Magnificent 7 are currently facing   3:42 Should you be diversifying away from Big US tech and how you can diversify by looking at other markets?   6:12 What about the wider US tech sector, apart from the Magnificent 7?  7:15: Implications of investing in tech sectors with the growth of AI   11:00 How investors can be positioned for the rest of the year  Produced by: Lee Su Shyan (sushyan@sph.com.sg), Ven Sreenivasan (ven@sph.com.sg), Ernest Luis and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Ven Sreenivasan's articles: https://str.sg/wuQe Read Lee Su Shyan's articles: https://str.sg/wuQs Follow Lee Su Shyan on LinkedIn: https://str.sg/bZqN Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: The Usual Place: https://str.sg/5nfm  COE Watch: https://str.sg/iTtE In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! 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. #moneycareerSee omnystudio.com/listener for privacy information.

A tech and corporate veteran breaks down the intensive interview process at top firms.Synopsis: Every second Monday of the month, The Straits Times helps you put your career on the right footing from the outset. As skill demands and job complexity increase with economic advancement, so do employer needs as reflected in increasingly intensive job interviews. The stakes are especially high for candidates seeking a foot in the door at cutting edge companies in the technology sector and beyond. In this episode, host Tay Hong Yi speaks with his guest on how to make an impression in the interview. His guest is: Mr Huang Wen, Asia-Pacific chief technology officer for information technology consultancy, SoftServe  Highlights (click/tap above): 1:23 What goes on in interviews for cutting-edge roles? 5:02 What makes people apply for jobs despite numerous intensive interviews? 12:04 How to stand out in an especially competitive interview process 16:58 How are young candidates raising the bar on interview performance 20:24 The hardest interview Mr Huang took part in as a candidate 22:59 How else can an organisation suss out the right talent? Read more: https://str.sg/HDmq Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: The Usual Place: https://str.sg/5nfm  COE Watch: https://str.sg/iTtE In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m Hard Tackle: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- #moneycareerSee omnystudio.com/listener for privacy information.

Old vs young, abled vs disabled, woman vs man.  Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. Labels invariably affect workplace policies and work opportunities today. Why do we put labels on others?  Do Singapore workplaces pay lip service to inclusivity? Are Human Resources teams doing enough? With a fast-ageing Singapore, are we about to see real change at the workplace?   Join me and my special co-host this week, communications executive Jonathan Tiong, as we speak to sociologists Professor Paulin Tay Straughan and Dr Issac Lim.  Prof Straughan is dean of students at the Singapore Management University, and Issac is the founder of Anthro Insights, a consultancy that provides evidence-based human insights to help organisations change. Highlights (click/tap above): 1:40 When is stereotyping not a trend? 8:30 Why bother looking at it? 13:05 Is inclusivity just lip service? HR, can you do more? 16:35 Do consumers have a part to play? 20:40 Older, disabled colleagues don't pull their weight. True? 24:00 Humanistic workplaces, why should we care? Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis, Teo Tong Kai and Amirul Karim Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's articles: https://str.sg/wB2P Follow Krist Boo on LinkedIn: https://str.sg/shcB Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: The Usual Place: https://str.sg/5nfm  COE Watch: https://str.sg/iTtE In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa #moneycareerSee omnystudio.com/listener for privacy information.

How much should you put into your CPF Life then? Synopsis: Every third Monday of the month, hosts Lee Su Shyan and Ven Sreenivasan - both associate editors and senior columnists at The Straits Times - offer you an extra edge in managing your hard-earned money. In this episode, Mr Christopher Tan, CEO and founder of Providend - a fee-only wealth advisory - discusses the closure of the CPF special account for those 55 and over from early 2025, which was announced during Budget 2024. What are the implications for CPF members and how can they best manage their CPF savings? Highlights (click/tap above):  3:30 Context for why the CPF Ordinary, Special and MediSave accounts were set up  7:30 Reasons for the removal of the CPF Special Account for those 55 and older  13:15  Considerations for CPF members as they aim to boost their returns  15:10 What to bear in mind: Whether to go for the Enhanced Retirement Sum and what you can do with CPF Life  20:00 CPF Life and longevity risk Produced by: Lee Su Shyan (sushyan@sph.com.sg), Ven Sreenivasan (ven@sph.com.sg), Ernest Luis and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Ven Sreenivasan's articles: https://str.sg/wuQe Read Lee Su Shyan's articles: https://str.sg/wuQs Follow Lee Su Shyan on LinkedIn: https://str.sg/bZqN Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! 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. #moneycareerSee omnystudio.com/listener for privacy information.

A talent expert who has helped over 200 people clinch jobs after a career break shares what works.Synopsis: Every second Monday of the month, The Straits Times helps you put your career on the right footing from the outset.At the best of times, making calculated career moves to meet one's financial and professional goals is hard, and even more so when one is returning from a career break.In this episode, host Tay Hong Yi speaks with his guest on how to make a successful return to the workforce. His guest is:Ms Wiwiek Sindarta, senior regional director at talent consultancy Talentvis Highlights (click/tap above): 1:29 Why do workers go on career breaks and then return? 3:04 In what situations are career breaks hardest to return from? 6:06 What distinguishes people who get off to a flying start? 8:31 Should you hold off on returning if the job market is weak? 12:53 Wiwiek's own experience with mulling over a career break 16:46 How do women returning from breaks have it especially hard?Read more: https://str.sg/H5Y7 Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: COE Watch: https://str.sg/iTtE In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! #moneycareerSee omnystudio.com/listener for privacy information.

Will we cede jobs to quantum computing next?  Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. We may not time travel anytime soon, but quantum computing may go mainstream among businesses within a decade. What is this technology that inspires science-fiction tales? What do bosses and workers need to know about it?  Join me, Krist Boo, and my guests, Dr Paul Griffin, associate professor of information systems (practice) at the Singapore Management University and Dr Scott Crowder, vice president for IBM quantum adoption and business development, as we talk about the quantum revolution. Strap in, because it might be closer than you think. Highlights (click/tap above):  1:00 How quantum computers differ from classical computers.  5:15 IBM roadmap: quantum adoption by 2033? 7:47 Classical, graphic, quantum - different uses for different computers 11:51 Is Singapore ready for the quantum revolution 13:35 What businesses need to know, for now 15:40 Jobs and skills in the quantum age  Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis and Teo Tong Kai. Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's Work Talk columns: https://str.sg/wB2P Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts -- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! #moneycareerSee omnystudio.com/listener for privacy information.

Do local banks really have succession issues? Synopsis: Every third Monday of the month, hosts Lee Su Shyan and Ven Sreenivasan - both associate editors and senior columnists at The Straits Times - offer you an extra edge in managing your hard-earned money. In February 2024, banker Wee Cho Yaw passed away at the age of 95. His father founded the predecessor of UOB but it was Mr Wee that grew the bank, and made UOB what it is today. Together with DBS and OCBC, UOB is now among the top three local banks in Singapore. In this episode, we delve more into the impact Mr Wee had on the banking industry. Over at DBS, there has always been talk about who will take over from CEO Piyush Gupta. Su Shyan and Ven discuss these succession plans and the outlook for the banking sector. Also, as interest rates may be cut in 2024, according to the US Federal Reserve, how will Singapore local banks be affected?  Highlights (click/tap above): 2:00 Wee Cho Yaw's impact on the local banking industry; will his passing affect ops and strategy? 7:20 Are there succession issues within top three local banks? 9:50 Today, there are more than enough Singaporeans with global exposure and capability to step up in these local banks 11:50 Challenges ahead: S&P Global Ratings recently said Singapore's net interest margins (NIM) will peak this year at 2% to 2.2% Produced by: Lee Su Shyan (sushyan@sph.com.sg), Ven Sreenivasan (ven@sph.com.sg), Ernest Luis and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Lee Su Shyan's articles: https://str.sg/wuQs Follow Lee Su Shyan on LinkedIn: https://str.sg/bZqN Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! 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. #moneycareerSee omnystudio.com/listener for privacy information.

A seasoned career coach shows what career coaching entails, using host Tay Hong Yi's CV as an example. Synopsis: Every second Monday of the month, the Career Talk podcast by The Straits Times helps you take charge of your career and realise your ambition. Career coaching is a term frequently bandied about in discourses surrounding employment and employability, and related policies. Though the basic concept is intuitive, some workers may be hesitant to pursue coaching as they are not sure what issues career coaching can help address. That is why host Tay Hong Yi looks at how career coaching can benefit workers in this episode. His guest is: Mr Tan Kok Guan, founder of career coaching firm Broccolise Highlights (click/tap above): 4:51 What should workers prepare before their first coaching session? 9:00 What is the range of career issues coaching can provide clarity on? 12:50 What is the structure of a career coaching session? 17:40 How competence and motivation are not the same thing 21:06 What does Hong Yi's CV show? 28:40 How to spot a good career coach to book sessions with? Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: COE Watch: https://str.sg/iTtE In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! #moneycareerSee omnystudio.com/listener for privacy information.

To secure his 500 colleagues' jobs, this CEO is making them developers. Bonus segment: What could the Dragon Year bring you?! Synopsis: Every first Monday of the month, listen to the Work Talk podcast to help you work smarter, think deeper and get ahead in your work life. Vital is the Singapore public service's central agency for corporate shared services entrusted with managing and transforming corporate services delivery for the government. For years, Vital had been humming in the background, paying out the salaries and expense claims of more than 100,000 public servants in Singapore.  No one paid it much attention, as its 500 workers chugged along, cutting, pasting, reconciling spreadsheets. Much of their work was laborious, tedious, and honestly, could have been done by machines. Four years ago, something happened. The agency got a new chief, a new dream, and for its 500 workers - a new aspiration to become citizen developers.  In this episode of Work Talk, ST senior correspondent Krist Boo takes you into Vital to meet Mr Dennis Lui, its chief executive and hear how employees are automating their own work processes.  And in a bonus podcast segment - with Chinese New Year days away - hear what the 2024 Dragon Year could bring you, from Master Ken Koh from The House of Feng Shui. Highlights (click/tap above): 2:26 Vital's existential crisis; finding the right partner to customise its courses for retraining 5:18 Validation boost: In 2020, the government gives it the mandate to transform corporate services delivery 6:28 The elephant in the room: Addressing fears of automation, advice for employers in similar situations 8:59 Join us at a work station in Vital's office to hear about a citizen developer's work  10:38 Bonus segment: How will your dragon year be?  Produced by: Krist Boo (kristb@sph.com.sg), Ernest Luis, Teo Tong Kai and Amirul Karim Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Krist Boo's Work Talk columns: https://str.sg/wB2P Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts -- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! #moneycareerSee omnystudio.com/listener for privacy information.

Find out more how active ETFs are somewhat different from the traditional product. Synopsis: Every third Monday of the month, hosts Lee Su Shyan and Ven Sreenivasan - both associate editors and senior columnists at The Straits Times - offer you an extra edge in managing your hard-earned money. In this episode, Su Shyan discusses active ETFs with Ms Ong Ai Ling, portfolio manager and head of AIOI at Lion Global Investors. AIOI stands for Artificial Intelligence of Investments.  Highlights (click/tap above):  3:30 Difference between active ETFs and passive ETFs  4:55 Find out about the first active ETF on SGX  7:00 Japan's improving macroeconomic indicators; corporate governance reforms 13:30 The use of AI in active ETFs 16:00 Safeguards for investors in active ETFs 17:20 Expect to see more active ETFs  Produced by: Lee Su Shyan (sushyan@sph.com.sg), Ernest Luis and Teo Tong Kai Edited by: Teo Tong Kai Follow ST's Your Money & Career Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Lee Su Shyan's articles: https://str.sg/wuQs Follow Lee Su Shyan on LinkedIn: https://str.sg/bZqN Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! 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. #moneycareerSee omnystudio.com/listener for privacy information.

These roles may provide a gateway to coveted roles, an expert says.Synopsis: Every second Monday of the month, the Career Talk podcast by The Straits Times helps you take charge of your career and realise your ambition. As economic cycles turn shorter and more volatile, the labour market has turned to hiring workers on contract, including for roles with high skill requirements and leadership opportunities. In this episode, host Tay Hong Yi speaks with Mr Nilay Khandelwal, managing director of talent consultancy Page Group in Singapore, to unpack the prospects and pitfalls of this trend for workers.Highlights (click/tap above): 1:32 Which sectors commonly hire for highly skilled roles on contract? 3:32 Are prestigious employers increasingly filling openings with contract workers and why? 4:40 Choosing between a dream role on contract and a permanent job 10:51 Impact of a contract role on the resume for future jobs 13:36 Evaluating remuneration holistically as benefits may differ 16:06 What kind of contract experience future employers find attractive 19:04 Who are contract roles suited for? Produced by: Tay Hong Yi (hytay@sph.com.sg), Ernest Luis, and Teo Tong Kai Edited by: Teo Tong Kai Follow Career Talk Podcast here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 SPH Awedio app: https://www.awedio.sg/ Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg Read Tay Hong Yi's articles: https://str.sg/w6cz Get business/career tips in ST's HeadSTart newsletter: https://str.sg/headstart-nl --- Discover more ST podcast channels: COE Watch: https://str.sg/iTtE In Your Opinion: https://str.sg/w7Qt Asian Insider: https://str.sg/JWa7 Health Check: https://str.sg/JWaN Green Pulse: https://str.sg/JWaf Your Money & Career: https://str.sg/wB2m ST Sports Talk: https://str.sg/JWRE #PopVultures: https://str.sg/JWad Music Lab: https://str.sg/w9TX Discover ST Podcasts: http://str.sg/stpodcasts --- Special edition series: True Crimes Of Asia (6 eps): https://str.sg/i44T The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 Invisible Asia (9 eps): https://str.sg/wuZn Stop Scams (10 eps): https://str.sg/wuZB Singapore's War On Covid (5 eps): https://str.sg/wuJa --- Follow our shows then, if you like short, practical podcasts! #moneycareerSee omnystudio.com/listener for privacy information.