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Riders have become a focal point of the changes in Integrated Shield plans, which from April must get in line with the Health Ministry’s cancer drug list. With riders, you can still get cover for drugs not on the list. But are you better off with the changes? Will premiums rise? Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua. Highlights (click/tap above):  01:07 Cancer drug list recap 03:16 Shield base plan and rider changes 09:29 Are you better off? 11:53 Impact on rider premiums Written and hosted by: Genevieve Cua (gen@sph.com.sg) Edited by: Howie Lim & Claressa Monteiro  Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media — 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 Website: http://bt.sg/wealthbt Feedback to: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Branded Podcasts: http://bt.sg/btbrpodSee 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. Is there a gender approach to financial planning? Isn’t it the case that the sensible approach really is gender neutral? Evy Wee, head of financial planning and personal investing at DBS shares her thoughts with Genevieve Cua. Highlights (click/tap above):  04:37 Tendency to rely on spouse  06:38 Gaining confidence: foundation knowledge 09:57 Overcoming fear and taking measured risk 15:34 Planning for single women 18:05 Recession proofing your investments and financial plan Written and hosted by: Genevieve Cua (gen@sph.com.sg) With Evy Wee, head of financial planning and personal investing, DBS Produced by: Genevieve Cua & Howie Lim Edited by: Howie Lim Engineered by: Joann Chai Pei Chieh --- 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Branded Podcasts: http://bt.sg/btbrpodSee 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 wealth editor Genevieve Cua.  Most people probably have a CI plan but the cover they have is also probably insufficient. Genevieve Cua discusses how to enhance your base CI plan by taking up a multi-pay rider, to cover you for recurrence of critical illnesses. Highlights (click/tap above):  01:54 Good news about CI: Standalone and multi-pay plans 03:34 Future-proof C.I. 05:47 Definitions and C.I. terms 12:05 Views from a financial planner 13:43 Misconceptions Produced by: Genevieve Cua (gen@sph.com.sg) & Howie Lim Edited by: Howie Lim 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Branded Podcasts: http://bt.sg/btbrpodSee 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.  How can you make sure your portfolio doesn't suffer in 2023 like it did in 2022? Genevieve Cua has some ideas.  Highlights (click/tap above):  01:10 More positive macro environment 04:11 Bonds back in favour 07:36 Commit to a balanced portfolio 10:10 Scout for higher-interest options 12:16 Maximise CPF interest rates Produced by: Genevieve Cua (gen@sph.com.sg) & Howie Lim Edited by: Howie Lim 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Branded Podcasts: http://bt.sg/btbrpodSee 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.  The pattern this year has been of hope and then a letdown. In this environment when it seems that everything is down at the same time, what can serve as investment guardrails for your portfolio?  Highlights:  0:55 The tug of war between hope and reality and why we need some investment guardrails 01:35 Cash as a guardrail. Attractive rates for fixed deposits plus capital preservation 03:54 Investing for income: dividends and bond coupons help to cushion portfolio decline 08:40 Alternative assets as a guardrail, but be prepared for illiquidity 10:26 Personal resilience as a guardrail: be vigilant for human biases Produced by: Genevieve Cua (gen@sph.com.sg) & Howie Lim Edited by: Howie Lim 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Branded Podcasts: http://bt.sg/btbrpodSee 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.  Can transferring your wealth to the next generation really be easy? The bottom line is: the issue of succession or wealth transfer requires a lot of thought and planning. Genevieve Cua speaks to Angie Han, head of wealth planning for South Asia from Pictet Wealth Management for more insights. This episode is brought to you by Pictet Wealth Management. Highlights (click/tap above):  01:30 How much wealth involved in the intergenerational wealth transfer in Asia 03:10 Planning is required for wealth transfer: some considerations 06:15 How family offices help in wealth structuring and transfer 08:23 What a seamless wealth transfer means 10:03 A will alone may not suffice; role of trusts 11:50 Why 70% of intergenerational wealth transfers fail 14:45 How philanthropy helps to keep families engaged Produced by: Genevieve Cua (gen@sph.com.sg) & Howie Lim Edited by: Howie Lim More about: Pictet Wealth Management Asia https://asia.group.pictet/ Asian Family Offices Multiplying https://www.pictet.com/sg/en/insights/asia-s-family-offices-multiply Asian Family Offices Overcoming Challenges https://www.pictet.com/sg/en/insights/asian-families-on-a-steep-learning-curve 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Branded Podcasts: http://bt.sg/btbrpod #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.  Are your investments really helping to reduce carbon emissions and alleviating social issues? Genevieve Cua deep dives into ESG investing to find out. Highlights (click/tap above):  03:41 Two reasons for ESG funds’ underperformance 06:17 Should you avoid or exclude oil & gas companies? 07:27 What do ESG ratings really mean? 09:29 Do ESG funds deliver value? 10:34 Industry shake-out due to ESG fund labels 13:17 ESG as a process vs ESG as a product Produced by: Genevieve Cua (gen@sph.com.sg) & Howie Lim  Edited by: Howie Lim 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocusSee 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.  How is impact investing different from ESG investing and how much of a difference can your capital make? Genevieve speaks to Evelyn Yeo, head of Asia Investments from Pictet Wealth Management Asia. This episode is brought to you by Pictet Wealth Management. Highlights (click/tap above):  02:37 Differences between impact investments and ESG 05.35 A framework to measure impact 07:57 Spectrum of sustainable investments 09:57 Why private clients gravitate towards impact investments 13:32 Sustainable real estate  15:15 Factors to set risk/return expectations Produced by: Genevieve Cua (gen@sph.com.sg), Howie Lim & Claressa Monteiro Edited by: Howie Lim More about: Impact Investing https://perspectives.group.pictet/sustainability/the-rise-of-impact-investing ESG labelled bonds https://perspectives.group.pictet/responsible-future/a-beginner-s-guide-to-esg-labelled-bonds Philanthropic capital https://perspectives.group.pictet/sustainability/better-together---aligning-investment-and-philanthropic-capital- 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: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus #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.  For the risk averse, looking for opportunities in this high interest rate environment isn’t as difficult as it seems. Genevieve tells us where you can park your spare cash that won’t increase your stress levels.  Highlights:  03:30 Impact of higher interest rates on assets 04:07 Lower risk options as rates trend up: CPF and CPF Life 06:07 Consider the Singapore Savings Bond 08:14 Fixed deposits now more attractive 09:59 Cash-plus funds, but look into funds’ holdings 11:04 Bonds’ place in portfolios; and PE bonds 15:14 Insurance endowments Produced by: Genevieve Cua (gen@sph.com.sg) & Howie Lim Edited by: Howie Lim 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 Website: http://bt.sg/wealthbt Feedback to: podcast@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.   Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: https://bt.sg/btmktfocusSee 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.  Philanthropy is almost always associated with very wealthy families. If you have less wealth but many good intentions, can you also engage in philanthropy? Genevieve Cua speaks to Anthony Gao, Pictet Wealth Management head of philanthropy services Asia to find out.  This episode is brought to you by Pictet Wealth Management. Highlights (click/tap above):  01:47 What this episode covers: why philanthropy is more important today than it was before; how philanthropy has evolved; your platform 03:28 Post-Covid the world’s needs have grown; funding gap for UN SDG 05:43 Anthony Gao on why more wealthy families want to engage in philanthropy 08:36 Strategic philanthropy for more long-term impact 10:25 Anthony on philanthropic approaches - venture philanthropy, blended finance, donor-advised funds 12:00 Anthony on the structure for giving as the face, body and legs of philanthropy Produced by: Genevieve Cua (gen@sph.com.sg), Howie Lim & Claressa Monteiro Edited by: Howie Lim More about: From tradition to modernity | Eight ways that Asian philanthropy is evolving https://perspectives.group.pictet/navigating-asia/from-tradition-to-modernity---eight-ways-that-asian-philanthropy Anchoring your philanthropic efforts in Asia https://perspectives.group.pictet/navigating-asia/-anchoring-your-philanthropic-efforts-in-asia Pictet Wealth Management https://asia.group.pictet/wealth-management 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: podcast@sph.com.sg This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.   Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt BT Market Focus at: https://bt.sg/btmktfocus #BTPodcastSee omnystudio.com/listener for privacy information.