BT Money Hacks

More young people crave independence and are moving out of their parents’ before getting married? How do you know when it’s time and if you have the means to do so? Howie Lim speaks to Tim Phillips from timtalksmoney.com and Seth Wee from Providend to find out when and how they did it.

Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.

Highlights of the conversation:

02:14 Budget considerations

03:51 How investing will help

07:09 Unforeseen expenses

09:28 Should you buy or rent?

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Tim Phillips, timtalksmoney.com; and Seth Wee, client advisor, Providend

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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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/btlenson

See omnystudio.com/listener for privacy information.

Investors fled from risk assets when the Asian stock sell-off deepened in August. It was speculated that interest rates would need to be cut rapidly to stimulate growth. Was this a one-off or a signal of things to come? Howie Lim finds out from Paul Chew head of research, Phillip Securities Research.

Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.

Highlights of the conversation:

02:46 Investors should not focus on one data point

05:50 Precedents in history to draw parallels

09:26 How market interconnectedness plays a role

11:08 All times are uncertain and volatile

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Paul Chew, head of research, Phillip Securities Research

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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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/btlenson

See omnystudio.com/listener for privacy information.

Companies should start placing a higher priority on both employee mental and financial well-being because the better your workers are, the better your company will be as well. How true is that and when did it become an employer’s responsibility to care for its employees’ finances? Howie Lim speaks to So Sin Ting from Endowus, Theodoric Chew from Intellect and Paul Gordon from Aon to find out.

Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.

Highlights of the conversation: 

01:48 Relationship between financial preparedness and self

03:40 Financial well-being is about more than financial health

06:18 Is it really an organisation’s responsibility?

10:34 Take care of your people, and they’ll take care of business

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Theodoric Chew, co-founder & CEO, Intellect; So Sin Ting, chief client officer, Endowus; and Paul Gordon, head of financial wellbeing, APAC, Aon

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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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/btlenson

See omnystudio.com/listener for privacy information.

With the US economy giving everyone whiplash in recent times and the Fed poised to cut interest rates, what does this all mean for your investments? Howie Lim speaks to Charu Chanana, head of FX Strategy and global market strategist at Saxo to find out.

Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.

Highlights of the conversation: 

01:43 How the US economy is doing so far

04:30 Which scenario will be better for you?

09:02 Where exactly the US economy is headed

13:13 Is ‘timing’ rebalancing your portfolio bad too?

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Charu Chanana, head of FX Strategy and global market strategist, Saxo

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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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/btlenson

See omnystudio.com/listener for privacy information.

After first gaining popularity in the early 1990s, investment-linked insurance policies have been a mainstay in the offerings of insurers. But how much has changed since then and do they have a place in your portfolio today? Howie Lim talks to CEO of Providend Christopher Tan and chief agency officer of Income Insurance Tan Chuan How to find out.

Synopsis: Every Monday, Howie Lim gets experts to break down useful financial tips.

Highlights of the conversation: 

01:33 How ILPs are like ‘cooking’ or ‘football’

05:15 The skinny on wealth-accumulation ILPs

09:38 Reasons to be cautious

11:12 Benefits of ILPs

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Hosted by: Howie Lim ([email protected])

With Christopher Tan, CEO, Providend and Tan Chuan How, chief agency officer, Income Insurance

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann 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. 

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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/btlenson

See omnystudio.com/listener for privacy information.

Debt can be scary but you’re not alone. There is help available and paths you can take. Howie Lim finds out what they are from Tan Huey Min of Credit Counselling Singapore and Seth Wee of Providend.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

03:48 Cheapest ways to get out of debt

05:14 Are you ready to seek help?

08:50 Things you can do

11:58 Not as difficult as it may seem

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Seth Wee, client adviser, Providend and Tan Huey Min, general manager, Credit Counselling Singapore

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann 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. 

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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/btlenson

See omnystudio.com/listener for privacy information.

Singapore as a global financial hub attracts expatriates from around the world. This drives prices and costs up. Additionally, Singapore has been crowned the costliest city for expats by several surveys. How is everyone dealing with this accolade and those pesky costs? Howie Lim finds out from Christopher Forbes from CMC Invest and Bryan Tay from Lendela.

Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Highlights of the conversation: 

01:10 Where do extra costs for expatriates come from?

04:55 Increasing compensation package; a self-fulfilling cycle

07:47 How citizens are coping

12:09 Could the high cost of living force expats out?

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Bryan Tay, country manager, Lendela and Christopher Forbes, head of Singapore, CMC Invest.

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann 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. 

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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/btlenson

See omnystudio.com/listener for privacy information.

What is ‘money dysmorphia’, ‘soft life’ and ‘loud budgeting’? Your guess is as good as any! Howie Lim finds out from Christopher Forbes of CMC Invest and Seth Wee from Providend whether these Gen-Z money trends are worth looking into.

Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Highlights of the conversation: 

00:58 Gen-Z money trends are really boomer financial fads?

02:54 Doom spending can’t be good

05:52 Tackling money dysmorphia

08:26 The generations aren’t that different

13:45 Advice which stands the test of time

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

---

Written and hosted by: Howie Lim ([email protected])

With Christopher Forbes, head of Singapore, CMC Invest and Seth Wee, client adviser, Providend.

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann Chai Pei Chieh

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

Google podcasts: bt.sg/oeGP 

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/btlenson

See omnystudio.com/listener for privacy information.

The Supplementary Retirement Scheme or SRS is a tax efficient account but heavily underutilised in Singapore. How can we best utilise this account to help pad up our retirement savings and what should we be investing in?

Howie Lim speaks to Hugh Chung from Endowus and Jermyn Wong from State Street Global Advisors to find out.

Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Highlights of the conversation:

01:03 Supplementary Retirement Scheme (SRS) adoption and statistics

02:50 Investment strategies for SRS

04:07 Tax benefits and withdrawal considerations

06:50 ETFs vs Unit Trusts (for SRS)?

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Hugh Chung, chief investment advisory officer, Endowus and Jermyn Wong, head of intermediary South East Asia, State Street Global Advisors

Edited by: Howie Lim & Lee Kim Siang

Produced by: Howie Lim

Engineered by: Joann 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

Google podcasts: bt.sg/oeGP 

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/btlenson

See omnystudio.com/listener for privacy information.

Chinese equities have rebounded this year as the Chinese government has introduced a series of measures to prop up the economy and property market, but data is still mixed on where the economy is headed. So has China truly bottomed out?

Howie Lim finds out from Shaun Rein of China Market Research Group.

Synopsis: Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Highlights of the conversation:

01:07 How investible is China now?

04:19 Analysis of China’s real estate market

09:28 Trajectory of China's economy

13:26 Investment opportunities in China

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Send us your questions, thoughts, story ideas, and feedback to [email protected]. 

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Written and hosted by: Howie Lim ([email protected])

With Shaun Rein, founder, China Market Research Group

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Joann 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

Google podcasts: bt.sg/oeGP 

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. 

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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/btlenson

See omnystudio.com/listener for privacy information.