BT Money Hacks

Financial stability, financial independence, financial abundance, financial freedom! The terms just get more complicated or is it just semantics? Does one mean the other and how can we get there? Howie Lim gets insights from Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research at Singlife. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:20 Differences and similarities between financial freedom and abundance 05:01 Concerning findings from the Financial Freedom index 12:07 Opportunities and bright sparks during market volatility 15:12 Protect your wealth! Written and hosted by: Howie Lim (howielim@sph.com.sg) With Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research, product, proposition at Singlife. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@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 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.

With inflation seemingly persistent and global economic conditions looking like they could worsen, how do we steel ourselves to stay invested? Stay invested we must because who wants to be a loser? Howie Lim gets insights from Samuel Rhee, Chairman and CIO at Endowus. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:13 In or out in this current climate? 03:38 In, even when markets dive 08:11 Beating inflation is possible 12:07 Inflation and recession beating strategies Written and hosted by: Howie Lim (howielim@sph.com.sg) With Samuel Rhee, Chairman and CIO at Endowus Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@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 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.

Salary independence, active investing, FIRE. How can we be sure any of them work to get us to financial independence? Howie Lim gets the skinny from Sabrina Gan, Fidelity International’s Head of Southeast Asia and Country Head of Singapore. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:48 Passive vs. active investing debate moot? 03:02 Is active investing required to retire well? 05:06 How active investing better enables financial security 08:03 Goals determine mix of assets and strategies 10:37 More wealth building hacks  Written and hosted by: Howie Lim (howielim@sph.com.sg) With Sabrina Gan, Fidelity International’s head of Southeast Asia and country head of Singapore Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@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 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.

In the debate between savings and investing, which is a better choice to grow our wealth? What are some factors to consider? Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend share their insights and tips with Howie Lim. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:02 Chris Tan and Karl Franks’ take on savings vs. investing 02:56 Investing IS simple, just not easy 05:52 Productive and unproductive debt 08:12 Investing helps you STAY rich 12:25 Not rocket science but many simple things working together Written and hosted by: Howie Lim (howielim@sph.com.sg) With Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@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 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.

Private equities, real estate, digital assets, collectibles are some of the alternative assets that are missing in our investment portfolio. How can we achieve a balanced portfolio, including alternatives in the current environment? Howie Lim gets insights from Kelvin Lee, Co-founder and CEO of Alta. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:08 Alternative assets as hedge against inflation 05:44 Effect of current environment on alternatives 09:24 Portfolio diversification and allocation of alternatives 12:10 Potential opportunities in alternatives Written and hosted by: Howie Lim (howielim@sph.com.sg) With Kelvin Lee, Co-founder and CEO, Alta Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks Feedback to: btpodcasts@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 Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpod BT Lens On: http://bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Winning the lottery may feel like a pipe dream. But the salary independence it gives is more attainable than you think. Imagine not requiring a paycheck from your boss. Howie Lim uncovers the possibilities with David Kuo, co-founder of The Smart Investor. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:42 What is salary independence? 02:38 Savings vs investing 06:15 Path to salary independence 11:22 Stock picking to achieve investment growth Written and hosted by: Howie Lim (howielim@sph.com.sg) With David Kuo, co-founder, The Smart Investor Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks 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 Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

One has been an economic force for some time, and one is poised to be one of the fastest growing major economies over the next decade. But where should you put your money? Howie Lim finds out from Daryl Ho, senior investment strategist at DBS’ chief investment office. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:53 IMF GDP forecast for the two giants 03:03 Long term drivers of the two economies 08:44 Other factors to consider before investing 13:16 Timelines & expectations on investment return Written and hosted by: Howie Lim (howielim@sph.com.sg) With Daryl Ho, senior investment strategist, DBS chief investment office Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks 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 Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Retirement inadequacies? Bonds not keeping pace with inflation? That yield curve staying below 5 percent? Howie Lim finds the answers to these questions with financial experts in this episode.  Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:04 Retirement inadequacy worry 04:27 Tighter rein on budgets 08:40 Can the yield curve come up to 5%? 12:07 Bonds outpaced by inflation worry 14:34 What experts worry about Written and hosted by: Howie Lim (howielim@sph.com.sg) With Mahin Gupta, co-founder of Liminal, Hugh Chung, chief investment advisory officer at Endowus and the regional head of digital sales at Saxo APAC, Chris Lum. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks 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 Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Is now the time to go back into digital asset investing? But is regulation going to ramp up so the space is less volatile? And just because the arguably most stable digital asset is regaining ground, does it mean the winter is over? Howie Lim speaks to Justin Lim, Director of Business Development, Liminal for more insights. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights:  01:36 What caused stable coins’ rally? 03:36 Singapore and Hong Kong driving interest in global digital assets 06:01 What kind of boom could be imminent? 10:10 Will regulation dampen sentiment? 12:19 How to poise for growth Written and hosted by: Howie Lim With Justin Lim, Director of Business Development, Liminal Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks 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 Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at: https://bt.sg/brpodSee omnystudio.com/listener for privacy information.

Don’t be fooled by some of these money myths. And what can you do if you have been? Howie Lim, correspondent at the Business Times gets insights from David Kuo from The Smart Investor, Adam Reynolds, APAC CEO from Saxo, Christopher Tan from Providend and David Fergusson of Hugosave. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights:  00:52 Myth #1 - Timing the market 03:50 What you should be doing 06:56 Myth #2 - I have a budget, I know what I’m doing 09:12 Myth #3 - Property prices always go up 12:20 Myth #4 - The lousy investment will recover…eventually Written and hosted by: Howie Lim With David Kuo, co-founder, The Smart Investor, Adam Reynolds, APAC CEO, Saxo, Christopher Tan, CEO, Providend and David Fergusson, CEO and co-founder, Hugosave.  Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: https://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe  Spotify: http://bt.sg/oeGN  Google podcasts: http://bt.sg/oeGP  Website: https://bt.sg/moneyhacks 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 Mark To Market Podcast at: http://bt.sg/btmark2mkt  WealthBT at: http://bt.sg/btwealthbt PropertyBT at: https://bt.sg/btpropertybt BT Market Focus at: http://bt.sg/btmktfocus BT Podcasts at: https://bt.sg/pcOM BT Branded Podcasts at : https://bt.sg/brpodSee omnystudio.com/listener for privacy information.