BT Mark To Market

WealthBT Ep 2: Par insurance policies - Do lower illustrative rates suggest lower returns?

13:32 min

Synopsis: Learn to protect and grow your wealth in this Business Times monthly podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  

In this second episode of the the WealthBT podcast, BT's wealth editor Genevieve Cua looks into the insurance industry’s reduction of illustrative rates for par policies in July 2021. What does this mean for you?

She tackles the following points: 

What are par policies, and what are the new illustration or projection rates taking effect in July? (1:50)

Why are par policies’ illustrative rates being reduced? (4:18)

Life funds have actually performed well historically, in excess of the upper limit of the current illustrative rate (7:30)

Her expectation of what insurers’ product lineup of par products might look like in July: Perhaps a lower level of guaranteed return and longer breakeven points (9:28)

Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang

Edited by: Adam Azlee

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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 Money Hacks Podcast on: https://bt.sg/btmoneyhacks

BT Mark To Market Podcast on: http://bt.sg/btmark2mkt

BT Podcasts on: http://bt.sg/podcasts

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BT Podcasts: Beef up your financial literacy with Money Hacks, WealthBT and Mark To Market podcast series

10:30 mins

Synopsis: The Business Times Podcast channel showcases niche series Money Hacks, Mark To Market and WealthBT, and sponsored series.

In this special episode, Money Hacks host Chris Lim chats with WealthBT host Genevieve Cua, and Mark to Market host Ben Paul, about how BT Podcasts will cover the 'New Normal' for you during the Covid-19 pandemic.

Produced by: Chris Lim ([email protected]), Genevieve Cua ([email protected]), Ben Paul ([email protected]), Ernest Luis and Lee Kim Siang

Edited by: Adam Azlee

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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.

#BTCrossover

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WealthBT Ep 1: Claims-based pricing in Integrated Shield plans and how it works

15:17 min

Synopsis: Learn to protect and grow your wealth in this new Business Times monthly podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  

In this first episode of the WealthBT podcast, BT's wealth editor Genevieve Cua breaks down what you need to know about Integrated Shield policies and the recent debate and controversy over certain aspects of cover.

She tackles the following points:

Shield plans: How they give you options for the type of care you want - be it a private hospital or a Class A ward in a government or restructured hospital (0:40)

From April 1, 2021, all riders will now require you to co-pay 5 per cent of the hospital bill: Pros and cons (1:45) 

To contain costs and claims, some insurers have launched what they call claims-based pricing: How claims-based pricing works in Shield plans (4:32)

Examples of how some insurance companies here have designed their riders with claims-based pricing (7:30)

Questions for insurers: With such long-running and consistently poor results, are the policies actually mis-priced? How material are the cost factors of commissions and management expenses in the profitability equation for Shield? (11:00)

Produced by: Genevieve Cua ([email protected]), Ernest Luis, Lee Kim Siang and Penelope Lee

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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 Money Hacks Podcast on: https://bt.sg/btmoneyhacks

BT Mark To Market Podcast on: http://bt.sg/btmark2mkt

BT Podcasts on: http://bt.sg/podcasts

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BT Mark To Market Ep 7: How to invest like Warren Buffett

11:25 min

Synopsis: Listen to Ben Paul's analysis and insight on market trends and corporate issues in Singapore in this new podcast series based on his weekly column in The Business Times.

In this seventh episode of the Mark To Market podcast, BT's senior correspondent Ben Paul talks about the investing phenomenon that is Warren Buffett, and explains why his philosophy is more relevant than ever now.

He tackles the following points:

1. Defining the Warren Buffett style of value investing (2:25)
2. Contrasting what excites investors with what excites Buffett (3:25)
3. Buffett's focus on profitability and value has stood test of time (6:43)
4. What Singapore corporate boards can learn from Buffett (9:39)

Produced by: Ben Paul ([email protected]), Ernest Luis, Lee Kim Siang and Adam Azlee

Edited by: Adam Azlee

Follow BT Mark To Market podcasts and rate us on:

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Website: http://bt.sg/mark2mkt

Feedback to: [email protected]

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.

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Discover more BT podcast series:

BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks

WealthBT Podcast at: http://bt.sg/btwealthbt

BT Podcasts at: https://bt.sg/pcOM

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BT Money Hacks Ep 95: Critical illness insurance more crucial than ever

12:01 min

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

This week's episode covers insurance, a risk management fundamental you need to sort out before considering more advanced money hacks. Find out why critical illness insurance is more crucial than ever during this pandemic, in this episode brought to you by Great Eastern: https://www.greateasternlife.com/sg/en/index.html

BT's digital editor Chris Lim hosts Colin Chan, managing director of Group Marketing at Great Eastern, who explains the following:

What is critical illness insurance and where it sits in your insurance portfolio (0:44)

Understanding the latest multi-pay critical illness plan (3:12)

How such a plan can continue to cover you even after you suffer from your first critical illness (4:50)

Ensuring continued critical coverage given that illnesses are happening at a younger age (8:30)

The percentage top-up premium needed to ensure continued multi-pay critical illness coverage (9:35)

Great Eastern’s Live #Lifeproof: https://www.greateasternlife.com/sg/en/personal-insurance/thelifecompany.html

Great Eastern’s Great Life Advantage with add-on critical illness coverage: https://www.greateasternlife.com/sg/en/personal-insurance/our-products/life-insurance/great-life-advantage.html

Great Eastern’s Critical Illness Cover calculator: https://www.greateasternlife.com/sg/en/personal-insurance/understand-insurance/financial-tools-to-know-what-you-need/critical-illness-cover.html

Produced by: Chris Lim and Ernest Luis

Edited by: Adam Azlee

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

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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.

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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

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BT Money Hacks Ep 94: Why young working adults need to start a financial plan now

14:49 min

Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips.

This week's episode is aimed at young working adults, on the importance of having some kind of financial plan sooner rather than later, instead of waiting till they have a sizeable sum to invest. It is brought to you by HSBC: https://www.hsbc.com.sg/

BT's digital editor Chris Lim hosts Deepak Khanna, head of wealth products and journeys at HSBC, who explains the following:

Why HBSC’s FinFit survey shows that young working adults in Singapore aged 24-39 are weakest in their retirement planning (1:34)

How is portfolio rebalancing connected to retirement planning (2:45)

Are there tailor-made, personalised portfolios you can stress test against various market scenarios? (4:46)

Why a "small" portfolio size should not stop you from reviewing your portfolio annually (6:50)

Step-by-step guide for young adults to start meeting their future retirement needs early (8:15)

Those who scored high on HSBC's FinFit survey review their finances yearly (12:25)

Find out how FinFit you are from HSBC: https://www.hsbc.com.sg/finfit/

HSBC's financial planning tools: https://www.hsbc.com.sg/financial-planning/

HSBC's Wealth Portfolio Plus, a relationship manager-guided journey: https://www.hsbc.com.sg/wealth/investments/wealth-portfolio-plus/

Produced by: Chris Lim and Ernest Luis

Edited by: Adam Azlee

Follow BT Money Hacks podcasts fortnightly on Mondays and rate us on:

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Website: http://bt.sg/moneyhacks

Feedback to: [email protected]

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.

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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

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Green Pulse Ep 48: Green Finance 101 (Pt 2) - Understanding carbon services & Singapore's potential to be a leader

15:22 mins

Synopsis: Every first and third Monday of the month, The Straits Times analyses the beat of the changing environment, from biodiversity conservation to climate change in this podcast series.

Singapore is charting a more sustainable future for itself, and has identified growth opportunities in carbon services.

In this second part of a two-part series on green finance, ST environment correspondent Audrey Tan and climate change editor David Fogarty discuss this issue with Mr Eugene Wong, chief executive of the Sustainable Finance Institute Asia in Malaysia, as well as Mr Anders Nordheim, who is senior vice-president for Asia sustainable finance at the World Wild Fund for Nature Singapore (WWF-Singapore).

Learn more about what carbon services are, and why Singapore is in a good position to take a lead in this area.

They discuss the following points:

What are carbon services? (1:05) 

The case for and against carbon credits (4:30) 

How carbon services can provide a business case for nature conservation (5:54)  

Why Singapore is an ideal hub for carbon services (8:34) 

Future of green finance (13:30)

Listen to Pt 1 - Green Finance 101: Directing capital to meet climate goals: https://omny.fm/shows/green-pulse-1/green-finance-101-directing-capital-to-meet-climat

Produced by: Audrey Tan ([email protected]), David Fogarty ([email protected]), Ernest Luis and Adam Azlee

Edited by: Adam Azlee

Subscribe to Green Pulse Podcast series and rate us on your favourite audio apps:

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Follow Audrey Tan on Twitter: https://str.sg/JLMB

Read her stories: https://str.sg/JLM2

Follow David Fogarty  on Twitter: https://str.sg/JLM6

Read his stories: https://str.sg/JLMu

#GreenFinance

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Asian Insider Podcast: https://str.sg/JWa7

Health Check Podcast: https://str.sg/JWaN

ST Sports Talk Podcast: https://str.sg/JWRE

Life Weekend Picks Podcast: https://str.sg/JWa2

#PopVultures Podcast: https://str.sg/JWad

Bookmark This! Podcast: https://str.sg/JWas

Lunch With Sumiko Podcast: https://str.sg/J6hQ

Discover BT Podcasts:  http://bt.sg/podcasts

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BT Mark To Market Ep 6: How to ride the next phase of the bull market

12:11 min

Synopsis: Listen to Ben Paul's analysis and insight on market trends and corporate issues in Singapore in this new podcast series based on his weekly column in The Business Times.

In this sixth episode of the Mark To Market podcast, BT's senior correspondent Ben Paul delves into why so many Singapore stocks are still trading below their book values per share even after STI has almost fully recovered from the Covid-19 crash, and how to find winners among them.

He tackles the following points:

1. Controlling shareholders are taking their companies private cheaply (1:45)
2. Why so many Singapore stocks are trading below their book values (4:32)
3. How value unlocking has been a key catalyst for local stocks (6:20)
4. What potentially exciting stocks do, besides merely unlocking value (7:55)

Produced by: Ben Paul ([email protected]), Ernest Luis, Lee Kim Siang and Fa'izah Sani

Edited by: Adam Azlee

Follow BT Mark To Market podcasts and rate us on:

Channel: http://bt.sg/btmark2mkt

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Website: http://bt.sg/mark2mkt

Feedback to: [email protected]

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.

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Discover more BT podcast series:

BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks

WealthBT Podcast at: http://bt.sg/btwealthbt

BT Podcasts at: https://bt.sg/pcOM

See omnystudio.com/listener for privacy information.

Green Pulse Ep 47: Green Finance 101 (Pt 1): Directing capital to meet climate goals 

19:10 mins

Synopsis: Every first and third Monday of the month, The Straits Times analyses the beat of the changing environment, from biodiversity conservation to climate change in this podcast series.

Finance is the fuel that keeps economies humming. And with countries now wanting to build back better from the economic fall-out from Covid-19, there is now a global momentum to ensure that finance is green. In March 2021, an Asean taxonomy board was established to provide a framework to guide green investments in the region. But what exactly does green finance entail, and why is it important for various nations to adopt? And how will it help the world avoid the harshest impacts of climate change?

In the first of a two-part episode on green finance, ST environment correspondent Audrey Tan and climate change editor David Fogarty discuss the topic with two experts in the field of sustainable finance. Hear from Mr Eugene Wong, chief executive of the Sustainable Finance Institute Asia, as well as Mr Anders Nordheim, who is senior vice president for Asia sustainable finance at the World Wild Fund for Nature Singapore. 

They discuss the following points:

Difference between green, climate and sustainable finance, and how they differ from usual financing schemes (1:09) 

Measures in place to prevent green finance from being used for unsustainable or climate-unfriendly projects  (8:18) 

Importance of hammering out definitions on what constitutes a “green” project for the region (9:03) 

How can retail investors participate in green finance? (15:05)

Listen to Pt 2: Green Finance 101 (Pt 2) - Understanding carbon services https://omny.fm/shows/green-pulse-1/understanding-carbon-services-green-pulse-ep-48

Produced by: Audrey Tan ([email protected]), David Fogarty ([email protected]), Ernest Luis and Adam Azlee

Edited by: Adam Azlee

Subscribe to Green Pulse Podcast series and rate us on your favourite audio apps:

Channel: https://str.sg/JWaf

Apple Podcasts: https://str.sg/JWaY

Spotify: https://str.sg/JWag

Google Podcasts: https://str.sg/J6EV 

Website: http://str.sg/stpodcasts

Feedback to: [email protected]

Follow Audrey Tan on Twitter: https://str.sg/JLMB

Read her stories: https://str.sg/JLM2

Follow David Fogarty  on Twitter: https://str.sg/JLM6

Read his stories: https://str.sg/JLMu

#GreenFinance

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Discover more ST podcast series:

Asian Insider Podcast: https://str.sg/JWa7

Health Check Podcast: https://str.sg/JWaN

ST Sports Talk Podcast: https://str.sg/JWRE

Life Weekend Picks Podcast: https://str.sg/JWa2

#PopVultures Podcast: https://str.sg/JWad

Bookmark This! Podcast: https://str.sg/JWas

Lunch With Sumiko Podcast: https://str.sg/J6hQ

Discover BT Podcasts:  http://bt.sg/podcasts

Follow our shows then, if you like short, practical podcasts!

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BT Mark To Market Ep 5: How to invest in an overvalued market

8:34 min

Listen to Ben Paul's analysis and insight on market trends and corporate issues in Singapore in this new podcast series based on his weekly column in The Business Times.

In this fifth episode of the Mark To Market podcast, BT's senior correspondent Ben Paul talks about how to invest in the market at a time when Covid-19 beneficiaries like Top Glove face a looming earnings slump while recovery plays like Singapore Airlines are yet to deliver significant improvement in profitability. 

1. Why the Straits Times Index began outpacing the S&P500 in Oct 2020 (1:40)
2. SIA's rocketing share price belies continued cash-burn and hefty losses (2:55)
3. Analysts unsure how to price Top Glove's sinking stock as earnings peak (4:12)
4. Investors should be selective, and avoid being fully invested in the market (6:08)

Produced by: Ben Paul ([email protected]), Ernest Luis, Lee Kim Siang and Adam Azlee

Edited by: Aleemah Basirah

Follow BT Mark To Market podcasts and rate us on:

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Website: http://bt.sg/mark2mkt

Feedback to: [email protected]

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.

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Discover more BT podcast series:

BT Money Hacks Podcast on: https://bt.sg/btmoneyhacks

WealthBT Podcast on: http://bt.sg/btwealthbt

BT Podcasts on: http://bt.sg/podcasts

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