BT Money Hacks S1E246: Why a wealth manager started a portfolio for his 6-month-old
Nov 23, 2025
Timothy Liew, head of investments at OCBC, shares insights from his wealth management journey and the lessons he's learned as a parent. He recounts his rocky start in investing and emphasizes the importance of diversification and long-term planning. Timothy discusses setting up a portfolio for his infant son to prepare for future education costs. He also warns against chasing quick riches, advocating for steady, value-based investing instead. Plus, he reveals why he believes healthcare could be a major investment theme in the coming years.
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Costly First Trade Teaches Core Lessons
- Timothy Liew lost about $5,000 trading leveraged forex as a university student and learned hard lessons.
- That experience taught him diversification, proper trade sizing, and long-term investing.
Core Long-Term Value Approach
- Timothy adopts a value-based, long-term approach mixing passive ETFs and active funds.
- He keeps a diversified core of unit trusts and ETFs and rarely sells over a 10+ year horizon.
Limit Risky Bets To Small Allocations
- Allocate a small percentage of wealth to high-risk bets and treat it as play money you can lose.
- Keep risky allocations tiny (Timothy cites around 2% for crypto) so outcomes won't derail finances.