BT Money Hacks

Japan’s stock market has made a big comeback this year. Could the country finally be leaving the lost decades behind? Lee Kim Siang speaks to Naomi Fink, global strategist at Nikko Asset Management, to break it all down. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 00:51 The driving forces behind Japan's economic rally 03:39 Is Japan finally overcoming deflation? 04:57 The impact of Abenomics on corporate governance 10:55 How yen weakness impacts investors 13:16 What to watch in the upcoming earnings season --- Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to [email protected]. We’ll look into it for future episodes. --- Hosted by: Lee Kim Siang ([email protected]) With Naomi Fink, global strategist, Nikko Asset Management Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Who will make decisions about your personal welfare or finances if you lose mental capacity? On this episode, host Lee Kim Siang talks to lawyer Stefanie Yuen Thio about the vital importance of setting up a Lasting Power of Attorney. Highlights of the conversation: 01:41 What is a Lasting Power of Attorney (LPA)? 02:34 Why LPA is important for everyone 07:16 How LPA fits into estate planning 10:19 LPA Disputes within the family --- Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to [email protected]. We’ll look into it for future episodes. --- Hosted by: Lee Kim Siang ([email protected]) With Stefanie Yuen Thio, joint managing partner, TSMP Law Corporation Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Bitcoin is having a major comeback this year. Not only have prices more than doubled, there are now funds tracking the cryptocurrency in the US stock exchanges. But some are worried this could be the beginning of another bubble. Are we looking at another Bitcoin bubble, or is the cryptocurrency here to stay? Lee Kim Siang sits down with Coinhako’s Kelvin See for insights. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 02:37 Bitcoin’s recent surge 03:51 What are Bitcoin ETFs? 07:02 What is Bitcoin halving? 10:16 Pros and cons of investing in bitcoin 13:59 Is it a good time to invest in bitcoin? --- Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to [email protected]. We’ll look into it for future episodes. --- Hosted by: Lee Kim Siang ([email protected]) With Kelvin See, head of trading, Coinhako Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Watches are one of the most popular buys for wealthy Singaporeans. If you’ve seen one up close, you can see why they’re such beloved works of art. But can they pull their weight as investments? BT’s Lee Kim Siang sits down with Nick Lim, director of second-hand dealer Chuan Watch to get to the bottom of this. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:37 Pros and cons of watches as investment 02:58 How to evaluate a watch 05:59 Factors that influence the price of a watch 06:35 The Covid luxury watch boom and bust Hosted by: Lee Kim Siang ([email protected]) With Nick Lim, director, Chuan Watch Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

You know how it goes: It’s been a long, stressful week. On a whim, you decide to treat yourself to a massage. Your partner gets salty. A fight ensues. How do you avoid this? Lee Kim Siang hears from one couple who’s figured it out. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:22 Planning for big ticket purchases 04:09 Balance financial, emotional and physical responsibilities 07:24 Financial support for your in-laws 08:58 Budgeting as a couple 13:37 Treat your partner like a boss Hosted by: Lee Kim Siang ([email protected]) With Angela Teng, editorial director of The Simple Sum; and her husband Isaac Tan Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Layoffs seem to be happening left and right. What rights do Singaporean employees have in the face of retrenchment? How can you dispute your severance package? Lee Kim Siang finds out. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 02:13 Singapore’s employment law provides limited protections for retrenchment 07:51 How Lazada fumbled their latest round of layoffs 12:01 How to negotiate your exit package 15:45 How to dispute your retrenchment Hosted by: Lee Kim Siang ([email protected]) With Amarjit Kaur, head of employment law, Withers KhattarWong; and Wong Siqi, content creator Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

It’s that time of the year again, where time-honoured tradition lines our red packets (and pockets) with cash. What’s the best way to make the most of our ang-bao money? Howie Lim finds out. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 03:08 Importance of planning your finances 04:16 Saving is not sufficient 05:37 Understanding your needs versus wants 06:49 Step-by-Step guide to using your ang-bao money 07:46 Saving, spending and investing have to coexist 09:41 Where to start investing for a beginner Hosted by: Howie Lim ([email protected]) With Mey Wong, head of client experience at StashAway Edited by: Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

These are trying times and all eyes are on Budget 2024, especially since rumours abound that it could be an ‘election Budget’. Howie Lim finds out what various industry experts think. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 02:26 New tax incentives for corporates 05:31 To boost sustainability efforts 06:16 GE and elevated cost of living 08:12 Have Budgets done enough already? 10:31 What if wish lists don’t materialise? Written and hosted by: Howie Lim ([email protected]) With Tan Wen Wei, analyst, Asia at EIU; Gene Kwee, partner, head of tax APAC at Mazars; and Yong Jiahao, partner, IGH & manufacturing, tax, KPMG in Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

A trend in 2024 could be institutional players showing a keen interest in issuing their own stablecoins. And it’s a move that has been welcomed by the digital asset sector. Howie Lim gets insights from Gerald Goh, co-founder and CEO Singapore of Sygnum Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:06 What exactly is a stablecoin 03:20 Stablecoins’ role in the larger ecosystem 06:37 Stablecoin market expanding 09:19 The growing need for regulation 12:43 Should investors look into stablecoins? Written and hosted by: Howie Lim ([email protected]) With Gerald Goh, co-founder and CEO Singapore of Sygnum Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How will the markets be in 2024 and where should we park our money in order for the markets to treat us well? Howie Lim gets insights from Hugh Chung from Endowus, Phil Waters from OANDA and Daniel Peris from Federated Hermes. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:03 Implications of the Fed's recent pause in rate hikes 07:12 How retail investors should position themselves 09:32 Outlook for US markets 11:11 Outlook for global markets 13:52 Sectors to look out for Written, hosted and produced by: Howie Lim ([email protected]) With Hugh Chung, chief investment advisory officer from Endowus, Phil Waters, CEO, APAC & Emerging Markets from OANDA and Daniel Peris, senior portfolio manager at Federated Hermes. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

The liquidity of gold is arguably on par with some of the major global currency debt and equity markets, such as the S&P 500. Does this mean in 2024 we should put our money in gold jewellery or gold ETFs? Howie Lim gets advice from Robin Tsui of State Street Global Advisors SPDR. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 00:56 Gold’s performance in 2023 02:16 Gold continues testing record highs 06:15 The ultimate diversifier 07:44 High liquidity not compromised 10:48 Outlook for 2024 Written and hosted by: Howie Lim ([email protected]) With Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Is there still a place in your portfolio for real estate and property investments? Can real estate investing still help you build wealth in 20204? Howie Lim gets insights from Paul Tostevin and Alan Cheong from Savills, Lee Nai JIa from PropertyGuru Group and Benny Ong from I Quadrant. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:12 Outlook for property investment in 2024 05:00 Real estate market presents wealth building opportunities 09:56 Property still has a place in portfolio 13:15 Where the opportunities are Written and hosted by: Howie Lim ([email protected]) With Lee Nai Jia, head of real estate intelligence, data and software solutions, PropertyGuru Group, Paul Tostevin, head of Savills world research, Alan Cheong, head of research Singapore at Savills and Benny Ong, co-founder, I Quadrant. Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Howie Lim A podcast BT Podcasts, The Business Times, SPH Media — Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Why let fear stop you from retiring early, from being financially free or salary independent? Fear of investing is something you can overcome. Howie Lim gets insights from Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 02:22 Fear of losing money 06:12 Fear of picking stocks 08:59 Fear of trust 13:00 Fear of not having enough to invest 15:48 Fear of not enough time Written and hosted by: Howie Lim ([email protected]) With Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

The world economy is expected to grow by 3.0% in 2023, before slowing down to 2.7% in 2024. But that doesn’t mean your investments should slow too. Howie Lim finds out how dividend investing could help from David Kuo, The Smart Investor, Josh Duitz, abrdn and Howard Silverblatt, S&P Dow Jones Indices. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 02:20 Dividend investing’s continued growth 06:57 Why these companies can increase dividends 10:07 How to choose the right company 14:14 Dividends will continue to make records Written and hosted by: Howie Lim ([email protected]) With David Kuo, co-founder, The Smart Investor, Josh Duitz, head of global income, abrdn and Howard Silverblatt, senior index analyst, S&P Dow Jones Indices Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us at: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

With stigma still surrounding personal loans, is it ever a good idea to take out a loan? Did you know just applying for a loan will hurt your credit score and how can you tell if a loan offer is legitimate? Howie Lim gets insights from Bryan Chan of Providend and Nima Karimi from Lendela. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 00:52 Is taking a loan ever financially wise? 03:10 Challenges getting a loan 05:30 Steering clear of debt traps 09:22 Legitimate loan offers vs. scams and predatory lenders 10:24 Safeguarding your credit score Written and hosted by: Howie Lim ([email protected]) With Bryan Chan, client advisor, Providend and Nima Karimi, CEO of Lendela Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Are whiskey investments worth looking into in volatile times? Are they a lucrative alternative investment? What’s the difference between bottle and cask/barrel investing? Howie Lim gets insights from Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 02:25 Inflection point in whiskey investing 04:27 Cask/barrel vs. bottle investing 08:10 Should whiskey drinkers invest? 11:19 Is whiskey worth investing in? Written and hosted by: Howie Lim ([email protected]) With Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Is investing during a recession a good idea? Can it be rewarding? How do we fight natural instincts to become more conservative because the best investments may not be what we expect? Howie Lim gets insights from Francis Tan, investment strategist at UOB Private Bank’s chief investment office. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:02 Market developments to watch 03:36 What approach to take in uncertainty 05:10 The balance between risk and returns 06:58 Assets and products to consider 08:38 Passive or active investing? 11:10 Discretionary investing 13:33 Markets are always uncertain, what to do? More about: UOB’s Risk-First Approach https://str.sg/iwaU UOB SimpleInvest https://str.sg/iwaw Rethink Your Wealth, UOB’s personal finance series https://str.sg/iwai Written and hosted by: Howie Lim ([email protected]) With Francis Tan, investment strategist at UOB Private Bank’s chief investment office. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media — Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Financial stability, financial independence, financial abundance, financial freedom! The terms just get more complicated or is it just semantics? Does one mean the other and how can we get there? Howie Lim gets insights from Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research at Singlife. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:20 Differences and similarities between financial freedom and abundance 05:01 Concerning findings from the Financial Freedom index 12:07 Opportunities and bright sparks during market volatility 15:12 Protect your wealth! Written and hosted by: Howie Lim ([email protected]) With Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research, product, proposition at Singlife. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

With inflation seemingly persistent and global economic conditions looking like they could worsen, how do we steel ourselves to stay invested? Stay invested we must because who wants to be a loser? Howie Lim gets insights from Samuel Rhee, Chairman and CIO at Endowus. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:13 In or out in this current climate? 03:38 In, even when markets dive 08:11 Beating inflation is possible 12:07 Inflation and recession beating strategies Written and hosted by: Howie Lim ([email protected]) With Samuel Rhee, Chairman and CIO at Endowus Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Salary independence, active investing, FIRE. How can we be sure any of them work to get us to financial independence? Howie Lim gets the skinny from Sabrina Gan, Fidelity International’s Head of Southeast Asia and Country Head of Singapore. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:48 Passive vs. active investing debate moot? 03:02 Is active investing required to retire well? 05:06 How active investing better enables financial security 08:03 Goals determine mix of assets and strategies 10:37 More wealth building hacks Written and hosted by: Howie Lim ([email protected]) With Sabrina Gan, Fidelity International’s head of Southeast Asia and country head of Singapore Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

In the debate between savings and investing, which is a better choice to grow our wealth? What are some factors to consider? Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend share their insights and tips with Howie Lim. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:02 Chris Tan and Karl Franks’ take on savings vs. investing 02:56 Investing IS simple, just not easy 05:52 Productive and unproductive debt 08:12 Investing helps you STAY rich 12:25 Not rocket science but many simple things working together Written and hosted by: Howie Lim ([email protected]) With Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN Google podcasts: bt.sg/oeGP Website: bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Private equities, real estate, digital assets, collectibles are some of the alternative assets that are missing in our investment portfolio. How can we achieve a balanced portfolio, including alternatives in the current environment? Howie Lim gets insights from Kelvin Lee, Co-founder and CEO of Alta. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:08 Alternative assets as hedge against inflation 05:44 Effect of current environment on alternatives 09:24 Portfolio diversification and allocation of alternatives 12:10 Potential opportunities in alternatives Written and hosted by: Howie Lim ([email protected]) With Kelvin Lee, Co-founder and CEO, Alta Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpod BT Lens On: http://bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Winning the lottery may feel like a pipe dream. But the salary independence it gives is more attainable than you think. Imagine not requiring a paycheck from your boss. Howie Lim uncovers the possibilities with David Kuo, co-founder of The Smart Investor. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 00:42 What is salary independence? 02:38 Savings vs investing 06:15 Path to salary independence 11:22 Stock picking to achieve investment growth Written and hosted by: Howie Lim ([email protected]) With David Kuo, co-founder, The Smart Investor Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

One has been an economic force for some time, and one is poised to be one of the fastest growing major economies over the next decade. But where should you put your money? Howie Lim finds out from Daryl Ho, senior investment strategist at DBS’ chief investment office. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 00:53 IMF GDP forecast for the two giants 03:03 Long term drivers of the two economies 08:44 Other factors to consider before investing 13:16 Timelines & expectations on investment return Written and hosted by: Howie Lim ([email protected]) With Daryl Ho, senior investment strategist, DBS chief investment office Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Retirement inadequacies? Bonds not keeping pace with inflation? That yield curve staying below 5 percent? Howie Lim finds the answers to these questions with financial experts in this episode. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:04 Retirement inadequacy worry 04:27 Tighter rein on budgets 08:40 Can the yield curve come up to 5%? 12:07 Bonds outpaced by inflation worry 14:34 What experts worry about Written and hosted by: Howie Lim ([email protected]) With Mahin Gupta, co-founder of Liminal, Hugh Chung, chief investment advisory officer at Endowus and the regional head of digital sales at Saxo APAC, Chris Lum. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Is now the time to go back into digital asset investing? But is regulation going to ramp up so the space is less volatile? And just because the arguably most stable digital asset is regaining ground, does it mean the winter is over? Howie Lim speaks to Justin Lim, Director of Business Development, Liminal for more insights. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights: 01:36 What caused stable coins’ rally? 03:36 Singapore and Hong Kong driving interest in global digital assets 06:01 What kind of boom could be imminent? 10:10 Will regulation dampen sentiment? 12:19 How to poise for growth Written and hosted by: Howie Lim With Justin Lim, Director of Business Development, Liminal Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Don’t be fooled by some of these money myths. And what can you do if you have been? Howie Lim, correspondent at the Business Times gets insights from David Kuo from The Smart Investor, Adam Reynolds, APAC CEO from Saxo, Christopher Tan from Providend and David Fergusson of Hugosave. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights: 00:52 Myth #1 - Timing the market 03:50 What you should be doing 06:56 Myth #2 - I have a budget, I know what I’m doing 09:12 Myth #3 - Property prices always go up 12:20 Myth #4 - The lousy investment will recover…eventually Written and hosted by: Howie Lim With David Kuo, co-founder, The Smart Investor, Adam Reynolds, APAC CEO, Saxo, Christopher Tan, CEO, Providend and David Fergusson, CEO and co-founder, Hugosave. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Analysts feel 2022’s turmoil may lead to potential opportunities in alternatives over the coming 12 to 24 months and beyond. But which alternatives, exactly? Correspondent Howie Lim speaks to Trevor Xie, CEO of Conservation Capital for more insights. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:20 Rising demand for ‘2nd-hand’ policies 03:11 Not the same as ILPs 08:36 The pros and cons 10:50 Market trends and outlook for the sector Written and hosted by: Howie Lim With Trevor Xie, CEO, Conservation Capital Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. How do we keep emotions out of investment decisions, especially during uncertain times? And is having emotions when investing really so bad? Correspondent Howie Lim speaks to Stephanie Leung, chief investment officer of StashAway for more insights. Highlights of the conversation: 00:55 How to keep emotions in check 02:52 Distinguishing between noise and information 05:29 Don’t look! 10:39 Beware biased information 13:35 High growth areas to consider Written and hosted by: Howie Lim With Stephanie Leung, chief investment officer of StashAway Produced by: Howie Lim & Claressa Monteiro Engineered by: Howie Lim & Joann Chai Peh Chieh Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. What’s good debt? And could what happened to Silicon Valley Bank happen to you? And building a solid financial plan isn’t so daunting these days. Howie Lim speaks to Laurent Bertrand, CEO and co-founder of BetterTradeOff for his insights. Highlights of the conversation: 01:19 Misconceptions about financial freedom 04:10 How to factor in volatile times 06:14 Why people still don’t invest 09:10 How to avoid what happened to SVB 13:21 Good debt Written and hosted by: Howie Lim With Laurent Bertrand, CEO and co-founder, BetterTradeOff Produced by: Howie Lim & Claressa Monteiro Engineered by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. How can we capitalise on China’s recovery? Its manufacturing activity expanded at the fastest pace in more than a decade in February but its all-or-nothing stock market seems to be losing momentum. So in or out? Correspondent Howie Lim speaks to Samuel Rhee, Chairman and Chief Investment Officer of Endowus to find out. Highlights of the conversation: 01:13 State of Chinese economic recovery 02:53 China not a free market 04:43 Reversal of fortunes 07:07 Risks to look out for 09:40 Opportunities still exist Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpod --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Has Budget 2023 provided enough to blunt the impact of rising prices? And shouldn’t we not rely too much on hand outs anyway? Correspondent Howie Lim speaks to David Fergusson, CEO and co-founder of Hugosave for more insights Highlights of the conversation: 00:50 How much Budget 2023 helps optimise financials 02:39 Budget and the ‘coping’ class 04:08 Beyond economising 08:14 What the risk averse can do 10:56 Bête noire; what to avoid Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpod --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. So we’ve had to first tighten our belts, then hedge against inflation and now recession-proof. Shouldn’t be too hard, right? Correspondent Howie Lim finds out from David Kuo, co-founder of the Smart Investor. Highlights of the conversation: 00:57 Remember these rules about money 04:57 The secret to investing 07:09 ‘Good’ companies will help safeguard portfolio 10:08 Your pyramid of ‘good’ companies 11:30 Sectors to invest in Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpod --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Who isn’t looking for earnings resiliency in the face of an uncertain economic environment? And what’s happened in the fixed income market and as well as the diversified nature of ETFs could now offer better income generation! Correspondent Howie Lim gets more insights from Salim Ramji, global head of iShares and index investments at BlackRock. Highlights of the conversation: 03:54 Digitalisation has upped ETFs’ game 05:59 Be sure to look for lowered fees 08:31 Most important metric when choosing ETFs 09:48 Which ETFs might do well in 2023? 13:19 Value investing, not growth for 2023 Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM See omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips as correspondent Howie Lim interviews experts in their fields. As property prices remain high in 2023, according to some experts, real estate investors will be left looking for alternative investing outside of traditional property ownership, like fractional property investing. Find out which sectors are now within your reach as Howie Lim speaks with Keith Ong, CEO and co-founder of RealVantage. Highlights of the conversation: 01:10 How property market fared in 2022 02:54 Difference between fractional investing and tokenisation 04:41 Benefits of fractional investing vs REITS 08:56 Pitfalls to avoid in fractional property investing 13:00 Sectors to look into in 2023 Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Many asset classes took a beating in 2022 but look poised to make a comeback. Which ones will help you fortify your portfolio against possible recessionary pressures in 2023? Correspondent Howie Lim speaks to Daryl Ho, Senior Investment Strategist at DBS’ chief investment office to find out. Highlights of the conversation: 01:11 Will market trends of 2022 reverse themselves? 02:11 Asset classes which suffered in 2022 04:31 The one thing to focus on in 2023 06:17 Flexibility in your portfolio 09:20 What to back in 2023 11:30 Value tech and Chinese equities Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: http://bt.sg/brpod --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. What is wrong with cryptocurrency? Or is it the players and ecosystem? How affected were you by the collapse of FTX and is there recourse for your loss? Correspondent Howie Lim speaks to Wayne Huang, co-founder and CEO of XREX to find out. Highlights of the conversation: 01:07 Cryptocurrency in 2022 03:37 The main issue with FTX’s collapse 08:33 How much will regulation help? 10:46 Balancing decentralisation and safety of customer assets 12:30 Recourse for customers hurt by FTX collapse Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: http://bt.sg/pcOM BT Branded Podcasts: http://bt.sg/brpod --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. What are the hot investment trends for 2023 and how were they shaped by one of the most punishing years for investors: 2022? Correspondent Howie Lim chats with Kelvin Tay, UBS global wealth management's regional CIO and adjunct associate professor at the Wealth Management Institute, NTU. Highlights of the conversation: 01:23 No surprises: few sectors did well 02:25 Growth vs Value investing 04:58 Loss making tech stocks bore the brunt 07:00 Do investors abandon ‘the plan’? 09:05 The ONE piece of advice for 2023 10:53 Bright spots for 2023 Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. With everyone staring down the barrel of inflation these days, how can we protect our portfolio returns? What should we be investing in to beat inflation? Correspondent Howie Lim speaks to co-founder of the Smart Investor, David Kuo to find out. Highlights of the conversation: 01:18 Who benefits from inflation? 05:05 Focus on stock market and companies which can increase prices 06:53 Continue to invest 09:01 Inflation and recession should NOT change your strategy 13:05 How to outperform inflation Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. How can you make sure you don’t suffer ‘lost earnings’ from having to take time off work to recover from an illness? And how affordable is critical illness coverage in this inflation-riddled environment? For more insights, correspondent Howie Lim speaks to Colin Chan, managing director for group marketing at Great Eastern. This episode is brought to you by Great Eastern. Highlights of the conversation: 01:53 The concerning critical illness insurance gap 04:44 The lingering misconceptions debunked 08:31 Affordability of C.I. plans 09:56 C.I. coverage continues to evolve 12:19 How to reframe the message Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim More about: Great Eastern https://www.greateasternlife.com/sg/en/about-us.html Critical Illness Coverage https://www.greateasternlife.com/sg/en/personal-insurance/our-products/health-insurance/great-critical-cover.html How to donate www.giving.sg/campaigns/SCS_Return_to_Role_Programme Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybook #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Wines’ clear capital preservation across the pandemic and its outperformance in 2021 may mean wine could very well be your hedge against inflation. But how’s it been doing so far in 2022 and will these volatile times have an adverse effect? Correspondent Howie Lim speaks to Anthony Zhang, co-founder and CEO of Vinovest to find out. Highlights of the conversation: 01:53 Collectible, age-worthy and investment grade wines 06:20 A ‘wasting’ asset? 08:08 Collecting for passion vs. profits 09:09 Wine prices outpacing inflation 12:12 Outlook for wine investing is good Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Which collectibles don’t suffer in higher-inflation regimes? Many have become lucrative in recent years but only some are good hedges against inflation. For more insights, correspondent Howie Lim speaks to Nannette Hechler-Fayd’herbe, Chief Investment Officer for the EMEA region and Global Head Economics & Research of Credit Suisse. Highlights of the conversation: 02:04 Collectibles not just for the wealthy 03:30 Impact of inflation on collectibles 06:35 Importance of categorisation; some categories don’t respond to inflation 11:23 Invest for passion or profits? Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Rare and collectible cars are growing in value, with indices in an all-time high territory. But can you actually make money off of your ‘old jalopy’ and are cars good hedges against inflation? For more insights, correspondent Howie Lim speaks to Julian Kho, editor at Sgcarmart. Highlights: 01:38 Investing in cars a double edged sword 04:40 Trends in the space: modern classics taking off 06:39 What investors can do to maintain value of car 09:57 Do NOT drive your investment; mint condition is key 12:06 What exactly to invest in Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim and Claressa Monteiro Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/mktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Which wealth management models are outdated and how can the mass affluent ‘move with the times’ and get the proper advice we deserve? Correspondent Howie Lim speaks to Adam Reynolds, CEO, Saxo Markets Singapore to find out. Highlights of the conversation: 01:29 Which wealth management models are obsolete? 04:21 Why an individualised plan is important 05:16 How feasible the ‘individualised’ model is 08:08 Drawbacks of robo advisors 09:55 Outlook for 2H 2022 Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. The art market consistently returns 7.6% to investors and contemporary art investments have outperformed the S&P 500 over the last 25 years. But investing in fine art carries big risks. Artwork does not generate any ongoing cash flows, like interest payments or dividends. So is art investing now a good hedge against inflation? For more insights, correspondent Howie Lim speaks to Wendy Fang and Yi Ziwei, specialists, 20th & 21st Century Art Department, Christie’s Asia Pacific Highlights of the conversation: 01:51 Why art investing is challenging 02:51 Major trends in art investing 07:44 Blue chip art and artists 09:24 Fractional art investing 11:48 NFTs the most lucrative? Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Studies have shown over and over again that actively managed funds almost always underperform passive investments in the long run. In this episode, we’ll try to settle the long debated argument of ETFs vs Mutual Funds, although we’re well aware there’s no straightforward solution to this and joining us with his insights: Samuel Rhee, Chairman and Chief Investment Officer of Endowus. Highlights of the conversation: 01:38 Important differences between ETFs and mutual funds 05:36 Why accessibility and income generation the most important factors 08:00 Have macro factors changed the game? 10:29 Not a zero sum game between competing products Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Podcasts at: https://bt.sg/pcOM BT Market Focus: http://bt.sg/btmktfocus --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. For more insights, correspondent Howie Lim speaks to Ashli Koe and Raphael Ng, fund managers, Salzworth Asset Management. Highlights of the conversation: 02:15 Misconceptions about FX trading 04:13 Tips for newbie forex traders 09:30 Past performance doesn’t guarantee future returns 11:29 Tips for experienced forex traders Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties. --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Podcasts at: https://bt.sg/pcOM BT Market Focus: http://bt.sg/btmktfocus --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. The pandemic, current market conditions of sky high inflation, geopolitical tensions and supply chain issues have decimated many people's savings and a demographic particularly affected is the sandwich class: adults who have to care for dependent children and ageing parents, usually at the expense of their own financial health. How can they revitalise their retirement savings? For more insights, correspondent Howie Lim speaks to Elson Goh, head of Asia portfolio management, St James Place.  Highlights of the conversation:  02:15 Financial achievements of Gen S affected by supporting parents 05:45 Factors affecting value of money and savings 07:40 How to hedge against inflation: beware cash drag 09:00 Know your risk appetite and diversify 11:00 Equities a key driver to long term growth Produced by: Howie Lim ([email protected]) and Christopher Lim Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Podcasts at: https://bt.sg/pcOM   --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. After a very rocky May 2022 of trading, the cryptocurrency market ended on a high note. But, the crypto market environment will likely remain challenging in June 2022. Cryptocurrency prices have been under major pressure since the beginning of 2022. So how can you navigate this environment and should you even go in now? For more insights, correspondent Howie Lim gets comments from Wayne Huang, CEO and co-founder of XREX and Sten Ivan, Head of Growth, Hodlnaut. Highlights of the conversation:  03:59 Why institutional investors are pressing on with crypto 05:24 The impact on retail investors and what to do 10:00 Crypto still a viable investment, if you know what you’re doing 11:27 How much to put in and why 12:52 Regulation is on its way  Produced by: Howie Lim ([email protected]) and Claressa Monteiro Edited by: Howie Lim Follow BT Money Hacks every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  --- Discover more BT podcast series: BT Mark To Market at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Podcasts at: https://bt.sg/pcOM   --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Decentralized finance or DeFi can be thought of as open source finance which is truly owned by no one. And it has been known to give returns of up to 20-30%! But to truly understand what you’re investing in and make big money requires effort at this nascent stage. For more insights correspondent Howie Lim speaks to Kenneth Lou, co-founder and CEO of Seedly. Highlights of the conversation:  02:42 Basic premise of DeFi and DeFi vs TradFi 03:38 How to get ahead in DeFi’s current nascent early stage 06:37 How to identify lucrative DeFi projects to invest in 08:25 Is DeFi underpriced or overpriced? 09:25 The volatile nature of decentralised applications Produced by: Howie Lim ([email protected]) and Christopher Lim Edited by: Howie Lim Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  --- Discover more BT podcast series: BT Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Podcasts at: https://bt.sg/pcOM   --- For more on personal finance, go to: bt.sg/moneyplaybookSee omnystudio.com/listener for privacy information.