BT Money Hacks

BT Money Hacks Ep 83: Demystifying ESG and sustainable investing 12:31 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This week's episode looks at ESG (Environmental, Social, and Governance) investing: what is it and how do you get started? It is brought to you by UOB Asset Management (UOBAM). BT's digital editor Chris Lim hosts Victor Wong, senior director and head of ESG Investments at UOBAM, as he tells us more: ESG and sustainable investment is becoming the buzzword, but can investors really do well by doing good? Can ESG and sustainable investments really make you money? (2:10)  Why ESG investing is seen as "woke" and appeals to more socially-conscious millennials or Gen Z, especially those aged 25-40 (3:57) What is the scene in Asia like, including Singapore? Is there growth potential for this sector? (5:30) Three steps on how to find out more about developments in ESG and sustainable investing, and choose funds and fund managers (6:40) How UOBAM uses its proprietary news-gathering data and technology to enhance its ESG investment processes, and works with regional partners to cover the Asian scene properly (8:07) UOBAM launched Singapore's first sustainable bond fund with international asset manager Robeco earlier this year: Is this a mega-trend investors should consider? (9:40) More on UOBAM's ESG and sustainable investments: https://www.uobam.com.sg/sustainability/index.page Listen to Ep 82 (Evolving your investment portfolio for risk and liquidity): https://str.sg/Jj9t Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks 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: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

BT Money Hacks Ep 82: Evolving your investment portfolio for risk and liquidity 9:38 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode is about how to evolve your investment portfolio as you move through life on your path to retirement. It is brought to you by UOB Asset Management (UOBAM). BT's digital editor Chris Lim hosts Dharmo Soejanto, head of the investment partnerships & solutions unit at UOBAM and chief investment strategist for UOBAM Invest, as he tells us more. Five steps to manually changing your portfolio to match changing risk appetites and liquidity needs (1:47) How UOBAM Invest can help you automatically and easily adjust portfolios to optimise risk exposure and liquidity throughout life with its feature called Glide-path (3:35)  How UOBAM Invest's Glide-path solution sets it apart from other robo-advisors in the market and helps investors adjust their portfolios throughout their life stages (4:35) How the regular rebalancing feature in UOBAM Invest's Glide-path solution is helpful during the ongoing Covid-19 crisis over time (5:44) Market indices tend to include winners over time and drop off "losing" companies or industries, and why it's important to stay invested and have a systematic robo advisor these days (6:38) More on UOBAM Invest Digital Adviser & its Glide-path solution: https://www.uobam.com.sg/uobaminvest/individual/index.html Listen to Ep 83 (Demystifying ESG and sustainable investing): https://str.sg/Jj9F Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcastsSee omnystudio.com/listener for privacy information.

BT Money Hacks Ep 81: How Gen Z youth can save and invest smartly earlier 12:14 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode looks at how and why Generation Z youth approach savings and investments. SingSaver conducted a survey over August and September this year, and found that when it comes to saving habits, Singaporean Gen Z youth (aged 18 - 23) are savvier than their millennial counterparts (aged 24 - 39). 85% of Gen Z respondents started saving before the age of 22, more than twice the number of millennials, at just 41%. 65% of Gen Zs stick to their budget “often” and “very often” as compared to 56% of millennials. Chris Lim hosts SingSaver’s interim country manager Prashant Aggarwal. They discuss the following points: 1. Three reasons why Gen Z youth are already saving for retirement and starting investment journeys earlier than older generations (1:55) 2. Why it is easier to start investing now in this age of robo advisers, Internet banking, app-based stock trading and easy access to global markets (3:35) 3. Which are the top five asset classes that Gen Z youth focus on? (6:15) 4. Understand the key principle: Higher return, higher risk, higher effort and inversely, lower return, lower risk, and lower effort (7:00) 5. Steps on how Gen Z youth can start small with $50 targets and gradually generate a passive income of $1,000 a month (8:00) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover BT Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 80: Controlling your fund fees is key to investment success 10:32 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles the importance of understanding and controlling your investment costs or fees, so you can let the power of compounding interest work for you. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option. They discuss the following points: 1. Are Singapore's investment fees higher than average sales and fund level fees globally? (1:08) 2. What is the little-known "trailer" fee in this industry? How that is practised here and why the investor does not see this (1:50) 3. The trailer fee raises the question: Are you working in the best interests of the client? (3:02) 4. Is there a way around this? Should your fund managers rebate that trailer fee to you here when they receive it? (4:48) 5. Why just a 1% fee difference over many years can result in compounding costs eating into your returns (7:20) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 79: Differences and misconceptions over ETFs and unit trusts 9:22 mins Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles the importance of knowing the pros and cons of ETFs and unit trusts. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option. They discuss the following points: 1. What are ETFs and unit trusts and are there big differences between them? (0:45) 2. Are unit trusts and mutual funds the same product? (2:32) 3. Why are ETFs essentially a wrapper for products like funds, Reits or bonds, so they can be traded on exchanges? How does that impact the net asset value? (3:15) 4. Unit trusts are more convenient for investors who do not need intra-day liquidity (4:55) 5. What are the differences between ETFs on SGX as compared with the US or the UK? (5:40) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 78: How to manage your wealth and plan your legacy 12:01 mins Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles the importance of managing your wealth and planning your legacy. It is brought to you by Opus by Prudential, which is Prudential's unique approach to wealth management and legacy planning for high net worth individuals. Chris Lim hosts Angeline Alexander, head of high net worth and affluent segments at Prudential Singapore, on the following points: What exactly is wealth management, wealth preservation and wealth transfer? (1:25) Three tips for high net worth individuals to get started (3:35) What is legacy planning? The new trend of high net worth clients using philanthropic pursuits to give back to the community (6:35) Depending on complexity and number of heirs, Opus by Prudential brings in specialist expert panels on trusts, tax and business advisory (7:20)  Plan, insure, give back: A 3-step guide to planning your legacy (9:15) More at Opus by Prudential - https://www.prudential.com.sg/opus#!about_us Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 77: Why sticking to an asset allocation framework is key in volatile times 12:57 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles good starter tips and discipline for asset classes and portfolio construction during this Covid-19 era. Chris Lim hosts Asheesh Chanda, founder and chief executive of Kristal.AI, that specialises in digital-first private wealth. 1. The four pillars for asset classes and allocation during these volatile pandemic times (2:00) 2. Building a discipline of following an asset allocation framework is key to success during periods of uncertainty. What are the general rules? (3:19) 3. You can improvise after following rules of investment, but not deviate and fall into the trap of "emotional investing" (5:20)  4. Passive and active investment approaches: What should beginner investors know and why they should avoid active approaches? (9:00) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 76: Understand what products and risk profile suit you as an investor 12:57 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles portfolio diversification and what products fit different profiles. Chris Lim hosts Dhruv Arora, founder and chief executive of robo investment advisory Syfe, who explains some basic starter tips: 1. How to build a diversified e-portfolio and manage risks for products with an easy click of a cursor (1:15) 2. Why the majority of people here prefer lower-risk portfolios, useful in this Covid-19 pandemic (4:12) 3. Reits: Which kind of investor do they suit? (6:10) 4. How do you get into low-cost property investment with $50 for example, in your 20s (9:45) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 75: Insurance - term vs whole life, what makes sense amid Covid-19? 10:53 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode is aimed at how investors can manage risk and insurance during the Covid-19 pandemic. Host Chris Lim speaks remotely with bionic financial adviser MoneyOwl's chief executive and chief investment officer Chuin Ting Weber. She explains the following points: 1. Why the role of insurance is protection (2:40) 2. Why our most important financial asset is our income (3:45) 3. What does it mean to be comprehensively insured? (5:45) 4. Why term insurance is more affordable and preferable till your planned retirement age and you no longer have dependents (7:00) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks Podcast series and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 74: Why insurance is good risk management during uncertain times 10:42 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode is aimed at how to understand basic personal risk management amid the market turmoil this year. Host Chris Lim speaks remotely with SingSaver's founder and country manager Rohith Murthy. They tackle the following points: Accept the reality that Covid-19 is a serious threat to income and jobs, and how to assess your finances (3:20) Typical financial journey of a Singaporean or Permanent Resident here (4:30) Why insurance is still seen here as a grudge purchase, and why it is more important in a world of uncertainty (5:15) Establish the risk to your income, cash and health needs; ensure you have the right affordable policy to be protected (6:40) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks Podcast series and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 73: Fortitude and the market in Covid-19 times 12:33 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down useful financial tips. This episode is aimed at how investors can approach the market despite the impact from Covid-19.   On May 26, finance minister Heng Swee Keat delivered an unprecedented fourth budget, dubbed the Fortitude Budget. Together with the previous three 2020 Budgets, this year’s total comes up to almost S$100 billion.  Host Chris Lim speaks remotely with two experts from OCBC Bank - Selena Ling, head of treasury research and strategy, and Carmen Lee, head of investment research.  They tackle the following points: What is the outlook for Singapore's economy, for the next three to six and 12 months, and what does this mean for investors?  (1:00) What is the outlook like for Reits? Which Reit sectors took the biggest hit during Covid-19 and which are still attractive to investors here? (3:30) What is the market expecting for corporate earnings this year? (8:08) Will dividends be cut? Or even be paid out at all? (9:50) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 72: Passive vs active investing - debunking misconceptions  12:59 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this episode, we talk about passive and active investing, ETFs and unit trusts. Why should the average investor care about the differences? Host Chris Lim speaks remotely with Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option, as he explains the following points: 1. Understand why you have a historically proven 17% chance of "beating the market" over a 15-year period even as a professional or "active" investor (2:30) 2. What is the difference between active and passive investing? (5:53) 3. Understand the differences between cash, high-quality government debt like Singapore Savings Bonds, corporate bonds and equities (6:21) 4. How digital investment advisers can help you with lower costs and passive investing coupled with strategic asset allocation (9:40) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 71: Be a hassle-free landlord through Reit investments 11:18 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode is aimed at those who are interested in investing in property through real estate investment trusts (Reits) and Chris Lim hosts Dhruv Arora, founder and chief executive of robo investment advisory Syfe. He explains some basic starter tips: 1. What is a Reit? How it is a proxy for buying into a property without spending millions of dollars (1:02) 2. Why investing in Reits makes you virtually a hassle-free landlord (2:20) 3. Is it prudent to diversify your Reit portfolio? (3:23) 4. What is the difference between do-it-yourself Reit exchange traded fund (ETF) investing and using Syfe's new Reit+ portfolio, which can closely replicate the performance of the SGX iEdge S-Reit 20 Index? (6:24) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 70: How companies should transform during the Covid-19 circuit breaker 15:59 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode is aimed at owners and management of small- and medium-sized enterprises (SMEs) and large companies. In this episode, Ernest Luis hosts Tan Su Shan, group head, institutional banking, DBS, as she explains how there is no turning back for big and small businesses, if they are to survive the Covid-19 pandemic.  She shares some essential tips: 1. What are the immediate action points SMEs need to work on, to survive first? (2:44) 2. What if you are an SME owner caught cold, not ready for digitalisation and worried about survival? Can banks help with digital business conversion and enable cash flow, and how that works in the F&B sector for example? (4:03) 3. Larger companies should do stress test projections for three, six and nine months, or even till at least the first quarter of 2021 (7:50) 4. Pointers for stress testing (8:52) 5. Will Covid-19 change the way companies operate permanently, and in what ways? (12:28) Produced by: Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 69: Is 2020 the year for savvier DIY property hunters and sellers? 9:54 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode is aimed at younger and savvier homeowners and buyers who want to explore "DIY" property transactions and save some money. In this episode, Chris Lim hosts Lewis Ng, chief commercial officer of Carousell, who breaks down property trends for new homeowners in 2020. 1. Is there a growing preference for do-it-yourself (DIY) property listings - directly done by homeowners? (1:40) 2. What are the cost savings to be enjoyed with DIY platforms? (2:48) 3. Property shopping and buying 101: Understand your finances, speak to a bank to explore your affordability, explore agent fees or a DIY approach, public and private housing options, know income ceilings for public housing (4:01) 4. Do you also need a longer-term mindset when buying your preferred property? Check URA master plans for the area (7:26) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 68: Lessons for budding women entrepreneurs in the Covid-19 era 15:22 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode is aimed at budding women entrepreneurs. Do you feel the burning desire to become one? If you are a mother or a caregiver, and thinking about starting a side business, this episode is for you. Ernest Luis hosts Joyce Tee, the group head of SME banking at DBS Bank. She answers the following questions: What are the top concerns of women entrepreneurs? (2:30) Is this a good time for women "sidepreneurs" to test business ideas as more work from home during this Covid-19 period? (5:10) Ms Tee offers useful tips as she recounts her life story of how she started her own side business in the early 80s at the age of 13 while she was schooling (6:15) Resilience, research, understand your competitive landscape, be clear about your target audience, know what differentiates your service (9:03) How women should approach business and not fall prey to gender stereotypes (10:40) Produced by: Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 67: How can AI and big data help investors? 9:07 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we talk about artificial intelligence (AI) and big data and how they can help investors. Chris Lim hosts Adam Reynolds, CEO Asia-Pacific, Saxo Markets, as he answers the following: 1. What's state-of-the-art now in terms of AI and big data for investors? (0:46) 2. How accurate are the AI recommendations? (2:06) 3. A beginner's guide to using AI for investing (4:45) 4. How comfortable should investors be with trusting AI? (6:13) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 66: Should you invest your CPF money in a turbulent market? 9:06 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we talk about CPF investments, and if you should invest them in a turbulent market. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option, as he answers the following: 1. What is the difference between traditional CPF investment schemes and digital schemes? Are there hidden fees? (1:02) 2. In a turbulent market now worsened by the coronavirus threat, should you invest your CPF funds? (4:09) 3. CPF is your long-term money. How can it perform if you take a similar long-term market view versus just leaving it in CPF? (5:14) 4. Invest wisely, strategically, not tactically. Strategic investment means a long-term approach, whereas a tactical investment means trying to beat the market with constant changes. Find out the pros and cons of such approaches (9:29) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 65: Basics of loyalty programmes 9:06 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we talk about loyalty programmes, what they are and how they can work for the investor. Chris Lim hosts Adam Reynolds, CEO Asia Pacific, Saxo Markets, as he answers the following: 1. Should investors even care about loyalty programmes? (1:09) 2. How common are loyalty programmes in the online brokerage industry? (1:56) 3. Does Saxo expect other brokerages to launch competing loyalty programmes? (6:07) 4. Don't just trade for the sake of racking points up (7:03) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks 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: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 64: Demystifying managed portfolios 9:42 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we take a look at managed portfolios: what exactly are they and how are they managed? Chris Lim hosts Christophe Marciano, head of discretionary portfolio management, DBS Bank, as he answers the following: 1. What is a managed portfolio? (0:25) 2. What is the process like? (3:12) 3. What are the pros and cons of DBS Bank's global and Asian digi portfolio products? (4:27) 4. Which ETFs (exchange-traded funds) are available in these portfolios? (6:41) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks 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: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 63: What are vehicle protection services? 15:13 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. How different are vehicle protection services from car insurance? Ernest hosts Manfred Schmoelz, president of the Asia-Pacific region for Assurant, as he answers the following:   1. What should consumers look out for, when buying a new car? (4:00) 2. What about some Singapore car owners who only intend to keep their cars for 3 to 5 years? Do they need to consider different approaches when choosing a vehicle protection service? (6:02) 3. The changing profile of the Asian consumer. (9:10) 4. How AI adoption - combined with human supervision and compassion -  helps make claims and turnarounds faster and more efficient, and reduce fraudulent cases. (10:22) Produced by: Ernest Luis and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 62: What is a robo-advisory? 10:15 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Robo-advisers are becoming more common in Singapore, but just what is a robo-advisory and how is it different from traditional investing methods? Chris Lim hosts Evy Wee, head of financial planning & personal investing at DBS, who explains the basics: 1. What is a robo-advisory? (0:24) 2. Are robo-advisers easier for people who are starting their investing journey? (1:16) 3. What kind of fees are involved? (4:20) 4. Equities vs ETF portfolios: what are the basic considerations? (7:57) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks 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: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacksSee omnystudio.com/listener for privacy information.

Money Hacks Ep 61: Getting the most out of cashback/rewards cards 10:03 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Most Singaporeans have either a cashback or rewards points credit card, some even have both; but are we getting the most out of them? We speak with Mark Cheng, media sales lead at financial comparison site MoneySmart.sg, who shares his insights with us: 1. What are some of the basic things you need to consider? (0:31) 2. Things to take note of when redeeming air miles/points (5:07) 3. What if my spending is not consistent enough to maximise the benefits? (6:19) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 60: Maximising air miles and credit cards 9:04 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Singaporeans love to get out of the country at every opportunity and this episode focuses on understanding credit cards and air miles better. We speak with Mark Cheng,  media sales lead at financial comparison site MoneySmart.sg He breaks down the various options: 1. Which card is better, those that accrue miles or points? (1:17) 2. What misconceptions are there? (2:00) 3. What to consider before redeeming your air miles (4:08) 4. How do you maximise your air miles? (5:06) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 59: Mortgage loans 101  14:44 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode focuses on understanding mortgage loans better. We speak with Cris Ng, the head of mortgage at financial comparison service Moneysmart.sg He walks us through various options: 1. Customers tend to fear mortgage loans and want to pay as little as possible and pay off as soon as possible. Why this is a misconception. (1:37) 2. Should you go for floating or fixed mortgage rates? (2:31) 3. First-timers, upgraders, seasoned investors: What they should know, including tips on types of mortgages they should choose (8:44) 4. Why is refinancing often overlooked by Singapore customers? (9:45) 5. How upgraders can approach mortgage decisions and the practice of "decoupling". (11:33) Produced by: Ernest Luis and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 58: Credit cards for millennials  9:54 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode focuses on credit cards for millennials specifically. We speak with Natalia Goh, head of credit cards and personal loans at Standard Chartered Bank Singapore who . She tackles our questions: 1. What would a millennial need from a credit card? (0:27) 2. Besides air miles, is cashback also another criteria millennials look at? (2:20) 3. How many credit cards do millennials typically hold? (3:55) 4. What should millennials look at when choosing a credit card? (4:51) 5. Should millennials be looking at pairing a bank account with a credit card to maximise benefits? (8:01) Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Follow more Money Hacks podcasts and rate us on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Playlist: https://str.sg/JwDa  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra:  https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 57: What's the difference between credit card fraud and disputes? 10:02 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.This episode focuses on credit card fraud and disputes. We speak with Natalia Goh. head of credit cards and personal loans at Standard Chartered Bank Singapore, who tells us what the differences are. She tackles our questions:1. Is there a difference between a credit card dispute and credit card fraud? (0:37) 2. How many months' worth of receipts should you keep? (2:41) 3. What are the steps you can take to protect yourself against fraud? (5:03) 4. What are the different channels banks use to send alerts to customers? (7:11) Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 56: How to choose the best travel insurance policy for your needs 10:10 mins Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode focuses on travel insurance and we speak with MoneySmart's Singapore general manager Abel Lee, who oversees its insurance business.  He tackles our questions: 1. How can travel insurance be seen as an investment? (0:57) 2. What should we take note of when choosing a policy? (1:45) 3. How important is it to check the T&Cs? (4:09) 4. Is there a best time to buy travel insurance? (5:02) 5. Are there particular kinds of travel insurance policies for specific groups of people? Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 55: How to start investing with forex 8:51 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode focuses on foreign exchange, specifically, how one can approach FX as another avenue for investment. We speak with Sumeet Bhambri, Standard Chartered's regional head of wealth management for Asean and South Asia, for his take on FX investing. He tackles our questions: 1. What is FX? (0:40) 2. How do we use FX as an investment vehicle? (2:06) 3. What tools can we use to help us? (5:52) Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Dear readers,We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://str.sg/JJmm Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 54: How to save more when paying for overseas property investments 8:51 mins Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how best to pay for property investments overseas. Do you use expensive banking services? Or new cheaper fintech-enabled money transfer services? Mr Nilan Peiris is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore. He tackles our questions: 1. Does it really cost a lot to move money overseas via wires? 2. Understand why it is important to know about the transparency of the services you are using. 3. Why is speed important when you need to do time-sensitive good value property investments overseas? Entrepreneur Kiyan Foroughi also comes on the show to talk about his own personal experience with money transfer services provided by banks and new fintech companies, and the big differences he has found when servicing property mortgages overseas.  Produced by: Chris Lim, Ernest Luis & Lee Kim Siang  Edited by: Adam Azlee Dear readers,We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 53: How fintech helps you with cheaper and faster money transfers overseas 9:43 mins Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how best to transfer your money abroad, and in cheaper ways. Entrepreneur Kiyan Foroughi comes on the show to talk about his own personal experience about money transfer woes with banks and why he uses new fintech services like TransferWise to save on costs and speed besides getting better transparency. He has business investments and property mortgages overseas, and needs to transfer money to family members around the world. Mr Nilan Peiris - another guest on the show - is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore. He answers the following: 1. What are cross-border money transfer services and why do they save their customers money?  2. How you can save up to 10 times on the cost of sending a sum of money from Singapore to the UK, Europe or Australia. 3. How instant payment - thanks to fintech - means that customers can send money to pay for a leaky roof repair in London for example, within 20 seconds. Produced by: Chris Lim, Ernest Luis & Lee Kim Siang  Edited by: Adam Azlee Dear readers,We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 52: Tread growing e-commerce investment trend in Asia with caution 8:48 mins Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how you can make money from Asian consumer growth. Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004.  What kind of e-commerce trends should we study in Asia before investing? (0:51 mins) E-commerce is an emerging sector in Asia if you want to consider widening your investment options in future. (3:05) Watch the rise of old-economy companies that provide logistics, transportation and warehousing, like Singapore Post Limited for example - which is a listed company. (4:50) Be wary of cash flow-negative companies that are unlisted in Asia and may not be able to continue being funded by the venture capital and private equity community in this region. (5:53) Produced by: Ernest Luis  Edited by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 51: Making more money from Asian consumer growth 10:56 mins Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how you can make money from Asian consumer growth. Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004.  As Asia is a massive region representing 60% of the world’s population, he says that the region is on the cusp of a consumer boom. Find out why consumers in China, India and the Asean region are eating more, drinking more and spending more. He suggests two investment sectors to look at - Asia's canned beer and traditional meat markets. 1. Why is Asia’s beer market about to explode with the introduction of canned beer? This trend is expected in less developed Asian markets in South-east Asia and China and India. 2. Despite newly-listed company Beyond Meat’s incredible rise as as a veggie meat company, real meat is the real investment story in Asia.  Investors should note that Asia’s meat producers like Charoen Pokphand Foods, are about to see a big boom as prosperity levels rise in China and India.  Produced by: Ernest Luis  Edited by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 50: How to invest amid market volatility 10:24 mins Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips. This episode is about how to invest amid market volatility. Trade wars, currency swings, natural disasters - what's an investor to do when markets flip one way, then flop the other way? Chief investment officer of StashAway, Freddy Lim, gives listeners tips on how to approach investments even when markets are roiling. This includes both advice on the fundamentals of investment, as well as modern tools that can make a hassled investor's life easier. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 49: The ABCs of robo-enabled wealth management 10:49 mins Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips. This episode walks listeners through the ABCs of robo investing. What's a robo advisory, why would you want to use one, and how much might it cost? How intelligent are such systems, how much work do we still have to do to make the most of them, and how can they make our money lives easier? Chief executive of StashAway, Michele Ferrario, breaks down robot-enabled, technology-assisted investment for listeners. StashAway is regulated by the Monetary Authority of Singapore. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 48: Actionable financial tips for young parents and children 12:12 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is aimed at how parents can get children to appreciate the value of money in an affluent society. Money Hacks' co-hosts Chris Lim (above left) and Ernest Luis talk actionable financial tips for young parents and children up to the age of 16.  How old can they be before you show them the value of money and sacrifice, and teach them the concept of cash flow (allowances versus expenses)? 1. Parents can use tokens to exchange if they are too young to have hard currency allowances (1:30) 2. Are there tools to help parents educate children better? (2:35) POSB Smart Buddy is an introduction to digital payments. Children wear a watch that lets them tap to pay at certain stores such as those in school and at selected merchants.  Parents download the mobile app so they can allocate allowances and check on the child's spending in real time. The OCBC Mighty Savers programme is for children below 16 with interest of up to 0.8 per cent a year. 3. What is the concept of delayed gratification for children? (3:59) 4. How to be financial role models for your children. (7:30) 5. How to inculcate habitual saving, start an allowance early even if it is tokenised, explain delayed gratification, transit to real money as early as possible, and involve children when doing abstract investments like gold (10:25) Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 47: Getting started with SkillsFuture-funded courses if you have unused credit 11:16 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. The $500 SkillsFuture credit is given to all Singaporeans aged 25 and older. The scheme was launched in January 2016. Money Hacks' co-hosts Ernest Luis (above, right) and Chris Lim discuss practical tips to get started if you have not used your SkillsFuture credit. Logging in, checking on your remaining credit Prioritise and identify skills that can help upgrade your career, or personal goals, as programmes are divided into categories: students, employees, employers, learning throughout life Check on new available courses that were not listed a few years back Plans to enhance the MySkillsFuture portal, which provides information on careers and the corresponding skills needed, mean users will be able to create an e-passport listing their e-certificates from training. The upcoming SkillsFuture Festival 2019 will be held from June 28 till Aug 11 - featuring six weeks of workshops, talks, roadshows, experiential learning and lifestyle activities across the island, to inspire Singaporeans to develop a passion for learning and pursue skills mastery. SkillsFuture website: https://www.skillsfuture.sg/ Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 46: How to start investing with just $100 a month in your 20s 11:16 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at those in their later 20s, and how to move beyond just insurance and good bank accounts. Money Hacks' Chris Lim (left) hosts OCBC Bank senior investment strategist Vasu Menon (centre above), who gives Lynette Tan - a 26-year-old Business Times journalist - practical tips to get started. In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, close to three-quarters said they wanted to start investing, with almost a third in it for long-term gains, though fewer than two in five considered themselves knowledgeable about investing. We cover three structured tips to help young people consider when wanting to invest. Is a five-figure sum the minimum you need to start investing properly? (1:40 mins) Step 1: How to automate investment of unit trusts with as low as as $100 monthly? (2:01) A $100 monthly minimum can also get you started in an OCBC blue chip investment plan (2:23) Step 2: Knowledge is critical next, after you get started with a monthly $100 investment. Attend workshops and talks like Frank by OCBC's Young Investor programme (3:35) Step 3: How to do your homework safely before jumping into the markets? Create a simulated portfolio and how to write yourself a private proposal (4:32) What is time diversification, and why is it good to do this in a blue chip investment plan? (6:42) Why it is good to take emotions out from a structured investment journey, and not let it affect your work or distract you needlessly (7:29) Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 45: How to choose insurance in your 20s 8:44 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at insurance, a product which the young in their 20s need, but sometimes find it hard to figure out what they should get first. Money Hacks' Chris Lim hosts 29-year-old Navin Sregantan, a journalist at The Business Times and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory. In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, only slightly more than half were aware of different insurance products, and less than half considered themselves knowledgeable about insurance. Are there still myths or misconceptions about insurance? 1:10 mins - Banks actually do provide some insurance plans, and how to use self-service banking tools like OCBC Life Goals to plan and identify gaps and protection needs. 2:27 mins - Can buying an insurance plan through a bank help you earn higher interest? 3:35 mins - How much and what kind of coverage should people in their 20s have?  4:08 mins - Why you should add riders to insurance plans. 4:28 mins - What is the second coverage plan you need next, especially if you're working in your 20s? 5:14 mins - If you plan to get married, are life insurance plans crucial? Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 44: Financial adulting 101 and controlling monthly credit card debt 11:52 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at those in their 20s and are starting to work, and how can set themselves up financially to avoid common mistakes and focus on their careers.  Money Hacks' Chris Lim hosts 20-year-old Vanessa Lim, a temp at The Business Times, and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory. In a Frank by OCBC survey of 866 students and young working adults aged 16-29, done earlier this year, only two-thirds managed to stick to a budget - or even have an expense budget - and two out of five struggled to stick to their saving plans. How to get started after listening to this episode: 1:00 mins - Should you have two bank accounts - one for paying bills and one for saving? 2:04 mins - Mr Goh advises on the first step - how to automate transfers to savings every month. 4:00 mins - Should you stick with only one bank account like the OCBC 360? 5:37 mins - Paying cash for everything means you miss out on credit card perks. How do you avoid drowning in credit card debt when you are starting out in your career? Should you set a credit limit on your card? 7:50 mins - Credit cards should not be used as a back door to overspending beyond your means, but the right accounts mean that interest tiers can grow with you when you are ready for larger financial commitments. 8:20 mins - Can old-school diaries, Excel spreadsheets or even online tools like OCBC's Money In$ights help you budget and track spending and saving more effectively? Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 43: Saving for key life goals in your early 20s 12:33 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at millennials and students who have life goals but aren't sure how to work towards them. Money Hacks' Chris Lim hosts 19-year-old Lim Li Shian (Liz), a temp at The Business Times, and Mr Vasu Menon, OCBC Bank’s Senior Investment Strategist, Wealth Management Singapore. In a Frank by OCBC survey of 866 students and young working adults aged 16-29, done earlier this year, almost three-quarters said travelling is important to them, while more than four out of five ranked life experiences as a top priority, along with maintaining relevant skills as part of pursuing further education. Are these goals realistic? 0:42 mins - Mr Menon guides Ms Lim, who says she wants to set aside money for university studies, travel overseas, or learning a new language. 1:41 mins - He shows her Frank by OCBC's Savings Goals online calculator and how to set aside money each month to achieve her immediate goals. 2:57 mins - Are long-term goals also important for the young to keep in mind? 4:16 mins - Find out why you should not borrow money to achieve short-term goals, like travel trips. 7:00 mins - How about Ms Lim's medium-term goals like owning a car? Find out what advice she gets. Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 42: How to get bonus interest in bank-and-earn accounts 8:42 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is aimed at those who have just started working, or are drawing a regular salary, and want to know how they - and also young married millennial couples - can use bank-and-earn products better, so they can earn more interest with the money that goes regularly into their accounts each month. Helping us to make better sense of it all is Ms Priscilla Joseph, vice-president of consumer banking for DBS Bank. Our questions: What are bank-and-earn accounts and why are those offered by the major banks (such as UOB One, DBS Multiplier and OCBC 360) better than basic savings accounts? Each bank has its own specific product calculators online for you to type in your salary, or minimum credit card spend. What are the key basic criteria you should concentrate on, in order not to overstretch yourself? Do these bank-and-earn accounts serve you best if you have a regular monthly salary? What if you are married and are self-employed or a freelancer in the gig economy? We work through the example of a new-to-the-workforce graduate with a credited median salary of $2,800 (excluding CPF), and a credit card spend per month of $200, which is manageable in paying back monthly outstanding amounts, to avoid credit debt. With two categories above ticked off, the eligible interest rate is 1.85% p.a. for the DBS Multiplier account, for example. Many accounts give you bonus interest if you increase your bank account balance relative to the previous month. That can be hard to do if you constantly have bills to pay each month or, worse still, some bigger bills that come quarterly, or annually. What is a money hack to manage this? Tune in. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 41: Top tips on preparing yourself to sell or buy your HDB flat 8:42 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. Editor's note: Property information correct when published on April 29, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome, that is aiming to make housing transactions in Singapore simple, fast and affordable. They explain the steps and mindset you need to have, if you are ready to sell or buy a HDB flat: Do you want to engage a property agent or do-it-yourself within your set time frame? Family members selling to each other: Does this scenario apply to your case? How much paperwork is involved? You can also pay for just documentation preparation services Understanding finance calculation and bank or HDB loans Decide what is the most important criteria for yourself: Is it money or location? You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 40: Top myths to dispel for HDB flat sellers and buyers in today's market 9:09 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. Editor's note: Property information correct when published on April 22, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop with a 30% market share, that is aiming to make housing transactions in Singapore simple, fast and affordable. They help us dispel the top myths and misconceptions for HDB flat sellers and buyers in today's market. You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 39: How to be happier in life by being less of a financial hoarder 11:18 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. Our guest is Dr William Wan, the general secretary of the Singapore Kindness Movement, and he has advice of a different type, rather than hard money-making or saving strategies. He warns against financial hoarding by outlining four points in this episode: 1. "Make all you can, save all you can and give all you can." - applying John Wesley's dictum to stewardship of your own finances. (1:50) 2. In making a will, and if you are more capable financially, consider not just the benefit of your family members, but also blessing charities and other needy organisations whose missions resonate with you. (5:10) 3. In your retirement years, consider spending a bit more on yourself to enjoy the fruits of your labour. Take vacations and enjoy some of the comforts of life. No point in hoarding all for your children, for example. (6:07) 4. Live above, within or below your means. Living above will burden you with debts. Living within is usually just about spending on yourselves. But living below will ensure you have some to share with others, and that can be a good principle to strive for during your working years. (7:01) Dr Wan's new book - Through The Valley, The Art of Living and Leaving Well - is out in major bookstores or online. Check ST Press' Facebook page. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 38: Make compound interest your best financial friend if you're in your 30s 10:23 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee. We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about how you can retire earlier with a bigger retirement income by the age of 60 if if you plan as early as your 20s. For example, if your portfolio returns in equities or stocks are 10% a year, the Rule of 72 calculator - which means how many years it takes you to double your money - shows that 72 divided by 10, equals doubling your portfolio's value in seven years. So if you invest $1 at the age of 30, it can become $2 when you're 37, $4 by 44, and $16 by the age of 58. On paper, they explain that you have many seven-year cycles to go even if you're in your 30s, to maximise the power of compound interest. Are you also aware of transaction costs, brokerage or custodian fees? Do know they can also eat into your stock investment profits. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 37: How you can fund your retirement systematically with equities or stocks 10:19 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee.  We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about why equities are a great tool to fund your retirement. Find out why merely having a stock portfolio isn't enough, if it's messy like rojak.  The three directors also explain the Rule of 72 calculator, which essentially means how many years it takes you to double your money. For example, if your portfolio returns are 10% a year, 72 divided by 10 means you will double your portfolio's value in seven years. If your returns are 1%, it will mean you only double your money in 72 years. Explore the power of compound interest in making your assets work harder for you. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 36: How to build your wealth by investing in equities or stocks 10:19 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. What are the best assets to invest in? Property? Bonds? Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee. We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about why equities are a great tool for making your money work harder for you. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Season 2: Step-by-step tips for HDB flat sellers in today's market 10:19 mins Synopsis: In this podcast series, The Straits Times and The Business Times break down financial tips so you can get started after listening to this episode. Editor's note: Property information correct when published on Feb 18, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop with a 30% market share, that is aiming to make housing transactions in Singapore simple, fast and affordable. Here are their top step-by-step tips for HDB sellers in today's market. 1. Register an Intent To Sell in the HDB resale portal (which is valid for 12 months) 2. How to check data and set your flat price more accurately as today's more price-sensitive and educated buyers are able to compare flat prices and past resale values in your area, and use apps like Ohmyhome's on iTunes and Google Play. 3. For initial eligibility checks, visit HDB's portal to check ethnic integration policy and related quota in various estates  4. Ensure you fulfil the minimum five-year occupation period 5. Decide if you want to engage an agent or consider a do-it-yourself approach, and how to ensure you have done the proper financial calculations and timeline planning for selling and buying your next flat so you will not be without a home in between. Later in our podcast, we pose the scenario: If you had bought your HDB flat for $500,000 15 years ago, and sell it for $520,000 now, does it mean you automatically have a $20,000 cash profit? Do you like direct responses from buyers and sellers? Apps like Ohmyhome's has a pool of ready buyers and sellers who can suggest their own flat listings directly to the buyer who indicates interest in a flat in their area. Can you save on agent's commissions with Ohmyhome? You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 34: Top 5 step-by-step tips for HDB flat buyers in today's market 11:24 mins Synopsis: In this podcast series, The Straits Times and The Business Times break down financial tips so you can get started after listening to this episode. Editor's note: Property information correct when published on Feb 11, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop aiming to make housing transactions in Singapore simple, faster and more affordable. They explain their top 5 step-by-step tips for HDB buyers in today's market. 1. Calculate what you can afford using calculators like those found on Ohmyhome's app on iTunes and Google Play store. 2. Consider home financing options for a HDB loan or bank loan 3. Apps like Ohmyhome walk you through the buying process step by step 4. What to take note of if you are a current HDB flat owner and want to sell it, to buy another 5. Why young couples should think long-term and consider bigger flat sizes You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.