WealthBT

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this episode of WealthBT, wealth editor Genevieve Cua discusses the financial vulnerabilities of high-net-worth individuals, who have wealth and health concerns and how careful planning can help them meet their goals. Guests in this episode: Melita Teo, AIA chief customer and digital officer, and Jerry Toh, AIA Financial Services associate director. This episode is brought to you by AIA. Highlights (click/tap above):  01:33 The wealthy in Singapore have financial needs and risks. 04:27 It’s a mistake to think that high net worth individuals have little to worry about; they have a different set of concerns 06:00 Wealthy individuals value mental and physical wellbeing as much as financial wellbeing 08:11 A concrete example of an individual with malignant thyroid cancer and how her health needs were addressed 11:00 After retrenchment, a client takes steps to address his needs and becomes an entrepreneur 13:30 Tips to help individuals invest with more confidence: Start small and invest over time 14:21 Review your plan regularly and consider spending patterns Produced by: Genevieve Cua ([email protected]) and Howie Lim Edited by: Howie Lim More about: AIA: www.aia.com.sg Follow WealthBT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts PropertyBT at: http://bt.sg/btpropertybt #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this episode of WealthBT, wealth editor Genevieve Cua talks about what sustainable healthcare really means and why the social factor in terms of ESG is so important as an investor. Nathalie Flury, co-head of sustainable healthcare equity at HSBC Asset Management, joins her to give more insights. This episode is brought to you by HSBC: www.business.hsbc.com.sg/sustainability  Highlights (click/tap above):  01:30 What does investing in sustainable healthcare mean? 04:00 In healthcare, an apparent tug of war between profit maximisation and ensuring affordability and access 05:13 Singapore’s trend towards medical cost control in Singapore 08:43 Many governments increasingly reject costly therapies or set cost limits 11:12 Savvy companies conduct a health economic assessment of their therapy to ascertain an acceptable price - Nathalie Flury 12:37 The factors critical for sustainable healthcare are clinical benefits and cost savings 13:48 Innovation cannot be looked at in isolation Produced by: Genevieve Cua ([email protected]) and Howie Lim Edited by: Howie Lim More about: Returns from sustainable healthcare investing: https://www.assetmanagement.hsbc.com.sg/en/individual-investor/news-and-insights/sustainable-healthcare-healthy-returns-retail Fixing the broken healthcare investment model: https://www.assetmanagement.hsbc.com.sg/en/individual-investor/news-and-insights/fixing-the-broken-healthcare-investment-model-sg-retail Responsible investing for sustainable healthcare: https://www.assetmanagement.hsbc.com.sg/en/individual-investor/about-us/responsible-investing/global-equity-sustainable-healthcare Follow WealthBT and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt PropertyBT at: http://bt.sg/btpropertybt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this 11th episode of WealthBT, wealth editor Genevieve Cua talks about the challenge of retirement income and presents workable options. Highlights (click/tap above):  01:22 Why securing a retirement income is challenging 03:47 CPF Life, the most attractive retirement income plan around 06:33 Supplementing CPF Life with retirement income insurance products: par plans 08:24 Still on insurance: investment-linked option 11:10 Putting together a portfolio of equities, fixed income and multi-asset funds: some broad principles Produced by: Genevieve Cua ([email protected]), Howie Lim Edited by: Howie Lim & Hadyu Rahim Follow Wealth BT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt PropertyBT Podcast: https://bt.sg/btpropertybt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this tenth episode of WealthBT, Genevieve Cua talks about some of the investment themes in 2022 and how they might impact your portfolio. Highlights (click/tap above):  01:24 Four key themes for 2022: Inflation rears its head in Singapore and in the US 03:46 Brace for higher interest rates and their implications for markets 07:01 Income theme remains resonant 08:54 Technology a big part of economies, business and market indexes 11:21 Implications for your portfolio Produced by: Genevieve Cua ([email protected]), Ernest Luis, Howie Lim Edited by: Howie Lim & Hadyu Rahim Follow Wealth BT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this ninth episode of WealthBT, wealth editor Genevieve Cua talks about how to maximise your CPF and SRS savings for retirement. Highlights (click/tap above):  2:21 Highlights of the Supplementary Retirement Scheme and investment options 5:29 Things to bear in mind about SRS: premature withdrawal penalty; relatively low limit on contributions and potential tax on withdrawals in retirement 7:51 Benefits of topping up CPF:  Higher interest rates and tax relief 11:30 Ways to maximise your retirement savings in CPF and SRS: Go for low-cost investments; use cash to service home loans rather than CPF; and defer retirement income Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang & Fa'izah Sani Edited by: Howie Lim & Hadyu Rahim Follow Wealth BT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this eighth episode of WealthBT, wealth editor Genevieve Cua talks about the various investing approaches or strategies that today, fall under the sustainable label. This episode is brought to you by Prudential: https://www.prudential.com.sg/ Highlights of the conversation (click/tap above): 0:55 Reasons to invest sustainably: helping the climate crisis; mitigating risk; and aligning with personal values 3:06 Approaches as listed by the OECD and GSIA; Genevieve Cua breaks the approaches down one by one 7:06 Fourth approach - understanding thematic ESG that invests in trends or themes expected to drive markets and returns  9:16 Sixth - ESG integration, which is a systematic inclusion of ESG in portfolio construction 9:57 Seventh - engagement and shareholder action which harness shareholder power to drive companies towards sustainability 12:42 Prudential's head of ESG - El Lynn Yeoh - on how investors may evaluate ESG factors alongside their values; and setting risk and return expectations Listen to the previous episode from Oct 25 - brought to you by Prudential - where Genevieve Cua looked at how your investment can make a positive difference to climate change. More about: Prudential's sustainability efforts - https://www.prudential.com.sg/sustainability-report Wealth and protection needs - www.prudential.com.sg/pruvantageassure Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang Edited by: Howie Lim & Hadyu Rahim Follow Wealth BT podcasts on the 4th Monday of every month and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this seventh episode of WealthBT, wealth editor Genevieve Cua talks about how your investment can make a positive difference to climate change. This episode is brought to you by Prudential: https://www.prudential.com.sg/ Highlights include: Implications of climate change for Singapore and why the call to action is urgent (1.11) COP26 and why countries’ net-zero targets have to be more aggressive (3.16) Prudential plc’s commitment and Prudential customer survey: Customers want to play a part (5.01) The need for private capital to help the net-zero transition (6.23) Role and benefits of ESG in investments (7.52) ESG is not an investment bubble but an investment discipline (11.00) Impact investments: a way to channel your funds into causes that matter to you (11.31) In the next episode on Nov 22 - brought to you by Prudential - Genevieve Cua will look at various ESG approaches. More about: Prudential's sustainability efforts: https://www.prudential.com.sg/sustainability-report Wealth and protection needs: www.prudential.com.sg/pruvantageassure Produced by: Genevieve Cua ([email protected]), Howie Lim & Lee Kim Siang Edited by: Howie Lim & Hadyu Rahim Follow Wealth BT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: [email protected] Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals.  How do you balance multiple financial goals? BT Wealth editor Genevieve Cua speaks with Angeline Alexander, Prudential’s head of high net worth and affluent segments, in  this sixth episode of WealthBT, brought to you by Ascend by Prudential: https://www.prudential.com.sg/ascend Highlights of the conversation: The top three financial goals (1.27) It helps to clearly define your goals; and take into consideration your budget, current commitments and the time horizon for your goals (2.46) The impact of Covid on financial objectives: It’s a good time to step back and re-look at expenses and priorities (3.25) Review plans regularly to cover contingencies (4.02) Take a look at your budget and discretionary spending (5.00) Investing for multiple goals: Similar goals and strategies may be grouped into a single portfolio (6.41) How relevant are endowment plans in today’s low-rate environment (7.35) Wealth transfer planning: Pandemic makes clear we should be prepared for the unexpected (9.45) Listen to Pt 1: Longevity + financial planning = win-win plan for you - https://omny.fm/shows/wealthbt/how-longevity-is-a-gift-in-holistic-financial-plan Find out more about Ascend by Prudential at www.prudential.com.sg/ascend Get in touch with Ascend at www.prudential.com.sg/AscendBusinessTimes Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang Edited by: Howie Lim Follow Wealth BT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt 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. This podcast is for your information only and does not consider your specific investment objectives, financial situation or needs. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals. BT wealth editor Genevieve Cua looks into how an expected longer life span can help you achieve more holistic financial planning, in this fifth episode of WealthBT, brought to you by Ascend by Prudential: https://www.prudential.com.sg/ascend She tackles the following points: Implications of rising life expectancy, and why children may not be seen as a pillar of support for elderly parents in future (0:43) Holistic financial planning is key to living a long life with optimism and confidence (2:49) Goh Theng Kiat, Prudential’s chief customer officer on why people now have more time to plan, with a longer expected life span (3:32) Actionable principles for investing for retirement (4:30) Making a mindset change towards a multi-stage life, supported by financial planning (6:37) Goh Theng Kiat on how financial planning supports a multi-stage life, such as planning capital in advance for those who wish to start a business, even in their 60s (7:52) In the next episode on Sept 27 - brought to you by Ascend by Prudential - Genevieve Cua will look at how to balance multiple financial goals at the same time. More about Ascend by Prudential: https://www.prudential.com.sg/ascend Get in touch with Ascend for your wealth and protection needs: www.prudential.com.sg/AscendBusinessTimes Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang Edited by: Howie Lim and Hadyu Rahim Follow Wealth BT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt 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. This podcast is for your information only and does not consider your specific investment objectives, financial situation or needs. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/podcasts #BTPodcastSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this new Business Times monthly podcast series for affluent individuals. In this fourth episode of the WealthBT podcast, BT's wealth editor Genevieve Cua looks into the profitability of Integrated Shield portfolios. Most insurers’ Shield results staged a turnaround in 2020. What does this mean for you? She tackles the following points: Integrated Shield plans’ loss making trend since 2015; what happened in 2020? (1:11) Four factors that helped push Shield portfolios into the black (3:55) What does this mean for premiums? (8:46) In the pipeline: More changes for Shield; payouts for cancer drugs to be aligned with MediShield Life and new sub-limits likely (9:33) Produced by: Genevieve Cua ([email protected]), Howie Lim & Lee Kim Siang Edited by: Howie Lim Follow WealthBT podcasts and rate us on: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt 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 Money Hacks Podcast on: https://bt.sg/btmoneyhacks BT Mark To Market Podcast on: http://bt.sg/btmark2mkt BT Podcasts on: http://bt.sg/podcastsSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this Business Times monthly podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.   In this third episode of the WealthBT podcast, BT's wealth editor Genevieve Cua looks into personal accident (PA) policies: What features should you be aware of and how much do you need? She tackles the following points:  Where PA plans fit in your insurance portfolio and reasons not to buy too much (1:38) Basic benefits of PA and exclusions (3:32 ) PA premiums vary widely: Things to note (Bundled vs unbundled benefits; not guaranteed; mostly not guaranteed renewable) (6:55) PA for older people makes sense (9:44) Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang Edited by: Howie Lim Follow WealthBT podcasts and rate us on: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google Podcasts: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt 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 Money Hacks Podcast on: https://bt.sg/btmoneyhacks BT Mark To Market Podcast on: http://bt.sg/btmark2mkt BT Podcasts on: http://bt.sg/podcastsSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this Business Times monthly podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.   In this second episode of the the WealthBT podcast, BT's wealth editor Genevieve Cua looks into the insurance industry’s reduction of illustrative rates for par policies in July 2021. What does this mean for you? She tackles the following points:  What are par policies, and what are the new illustration or projection rates taking effect in July? (1:50) Why are par policies’ illustrative rates being reduced? (4:18) Life funds have actually performed well historically, in excess of the upper limit of the current illustrative rate (7:30) Her expectation of what insurers’ product lineup of par products might look like in July: Perhaps a lower level of guaranteed return and longer breakeven points (9:28) Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim SiangEdited by: Adam Azlee Follow WealthBT podcasts and rate us on: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google Podcasts: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt 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 Money Hacks Podcast on: https://bt.sg/btmoneyhacks BT Mark To Market Podcast on: http://bt.sg/btmark2mkt BT Podcasts on: http://bt.sg/podcastsSee omnystudio.com/listener for privacy information.

Synopsis: Learn to protect and grow your wealth in this new Business Times monthly podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  In this first episode of the WealthBT podcast, BT's wealth editor Genevieve Cua breaks down what you need to know about Integrated Shield policies and the recent debate and controversy over certain aspects of cover. She tackles the following points: Shield plans: How they give you options for the type of care you want - be it a private hospital or a Class A ward in a government or restructured hospital (0:40) From April 1, 2021, all riders will now require you to co-pay 5 per cent of the hospital bill: Pros and cons (1:45)  To contain costs and claims, some insurers have launched what they call claims-based pricing: How claims-based pricing works in Shield plans (4:32) Examples of how some insurance companies here have designed their riders with claims-based pricing (7:30) Questions for insurers: With such long-running and consistently poor results, are the policies actually mis-priced? How material are the cost factors of commissions and management expenses in the profitability equation for Shield? (11:00) Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang and Penelope Lee Follow WealthBT podcasts and rate us on: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google Podcasts: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt 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 Money Hacks Podcast on: https://bt.sg/btmoneyhacks BT Mark To Market Podcast on: http://bt.sg/btmark2mkt BT Podcasts on: http://bt.sg/podcastsSee omnystudio.com/listener for privacy information.