BT Money Hacks

Planning for retirement is a crucial part of financial planning and one of the many tools designed to help is the Supplementary Retirement Scheme or SRS. And why is it that we tend to talk about the SRS at the end of the year and can it really help power-up our retirement savings? Howie Lim speaks to Shawn Lee, assistant vice president, financial planning literacy, DBS Bank to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:14 Why year-end is SRS season 03:30 The downside to the SRS 05:57 Do not leave the SRS idle 08:06 Will changes to the CPF Act have an impact? --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Shawn Lee, assistant vice president, financial planning literacy, DBS Bank Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How can gig workers better plan their finances and access financial services? Are fractional jobs the perfect fit for modern hustlers? Is it a world where relying on just a traditional 9-to-5 job is no longer enough? Howie Lim speaks to Daphne Tan, head of business development at CMC Markets Singapore and Jenn Ong, managing director, head of retail, GXS Bank to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:36 The different alternative to full time employment 04:13 Disadvantages to this kind of working 07:43 Covid’s impact on employment 10:26 How to manage your money --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Daphne Tan, head of business development at CMC Markets Singapore; and Jenn Ong, managing director, head of retail, GXS Bank Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Why does personal finance management always have to be so complicated and daunting? Actually, it isn’t and professor Steve Foerster from Ivey Business School has 3 simple steps. Correspondent Howie Lim gets the skinny from the professor. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:09 Success hangs on a sound investment philosophy 03:46 The 3 levers to financial success 07:16 The trade-offs 09:35 Obstacles to look out for --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Steve Foerster, professor of finance, Ivey Business School, Canada Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Discover valuable financial tips that simplify money management. Learn how to enhance your financial literacy through engaging content tailored to your preferences. This discussion encourages regular updates filled with insights and hacks, making financial wisdom accessible every week. Tune in and unlock new strategies for smarter financial decisions!

Worried about dementia's financial toll? Planning for dementia-related financial care isn't easy. Correspondent Howie Lim speaks to Helen Shen, group head of products at Singlife to explore effective ways to safeguard your finances from dementia's impact. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:40 Financial assets of loved one with dementia 05:08 The cost of dementia 07:50 How to broach the subject 12:39 Resources to help navigate --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Helen Shen, group head of products, Singlife Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How much are finance influencers impacting financial decision-making? These individuals offer advice and information on everything from bonds, equities, and crypto to traditional savings accounts and travel miles. But are they replacing traditional financial advisors? Howie Lim speaks to Dawn Cher, SG Budget Babe, a leading personal finance influencer based in Singapore and Brian Seetoh, financial services manager, PhillipCapital to find out.  Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 03:54 Can finance influencers and financial advisors co-exist? 08:03 Whether regulation will protect consumers better 11:11 The battle between finance influencers and lifestyle influencers 13:44 Spotting the legit finance influencers --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Dawn Cher, SG Budget Babe, a leading personal finance influencer based in Singapore and Brian Seetoh, financial services manager, PhillipCapital Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

From 2025, CPF members above age 55 will no longer keep funds in their Special Accounts (SA). Balances in the SA will be transferred to the Ordinary Account (OA), reducing the interest rate from at least 4 per cent in SA to 2.5 per cent in OA. What does this mean for your retirement? Howie Lim speaks to Christopher Tan, CEO of Providend to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:05 Key changes to CPF from 2025 06:54 Why the changes and what to do now 11:23 Advice for the confused 16:05 More tips to navigate the changes --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Christopher Tan, CEO, Providend Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

In today's fast-paced financial world, staying updated with the latest economic trends and rate cuts can feel like a full-time job. Howie Lim guides you through the maze of financial information and strategies this week with Vuk Vukovic, CEO and CIO of Oraclum Capital. Synopsis: Every Monday, The Business Times breaks down useful financial tips. --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Vuk Vuković, CEO and CIO, Oraclum Capital Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Asian fixed income shows strong performance and potential, despite global market fluctuations and economic uncertainties. It might be time to get onboard but how? Howie Lim finds out from Navin Saigal, head of fundamental fixed income, Asia Pacific at BlackRock. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:14 Asian market outperformance 03:54 Uncorrelated growth patterns 06:32 Anticipated risks 10:18 Long-term outlook --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Navin Saigal, head of fundamental fixed income, Asia Pacific at BlackRock Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Candy Valentino, a WSJ bestselling author and business growth expert, shares invaluable insights on achieving financial freedom. She discusses the importance of diversifying income streams in today's economy and explores innovative ways to capitalize on assets. Valentino emphasizes long-term strategies over immediate gratification and reveals various methods for creating passive income, such as writing and investing. The conversation encourages listeners to take bold actions towards their financial visions, fostering both stability and unexpected success.