BT Money Hacks

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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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: podcast@sph.com.sg 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.