BT Money Hacks

If you think your bank’s “diversified” portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We’re dissecting the "product-first" myths, exposing why your “tick-box” diversification might be failing you, and revealing why your obsession with benchmarks is costing you real outcomes. Stop investing like a hedge fund—start investing for your life.

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

Highlights:

01:22 Product-first vs. client-first: the industry's reversed process

05:05 Real diversification vs. "spray and pray"

09:54 Complexity vs. sophistication: finding the simplest real solution

13:20 Benchmarks lie: why your goals matter more than the index 

---

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

---

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

With David Ng, founder of Arki Finance

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Your cash isn't safe just because it's sitting still — it's quietly losing to inflation while you wait for "the right time" to invest. Howie Lim gets StashAway's chief investment officer (CIO) Stephanie Leung to explain why the mass affluent get the worst of both worlds, why gold just earned a permanent seat in your portfolio, and why timing the market is a fool's errand professionals gave up on long ago. Stop parking your future. Start compounding it.

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

Highlights:

01:03 The underserved mass affluent

03:24 Real world cost of idle cash

07:33 Rethinking the 60/40 portfolio

11:31 Singapore’s cash obsession

---

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

---

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

With Stephanie Leung, chief investment officer, StashAway

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

We obsess over what to buy, but when it’s time to sell—or hold—we often freeze. Market volatility shouldn't trigger a panic-induced sell-off, yet emotion frequently overrides strategy. In this episode of Money Hacks, Howie Lim, Ritesh Ganeriwal, and Kenneth Chan dissect the crucial "portfolio check-in."

Learn how to filter signal from noise, why "doing nothing" is a strategic superpower, and exactly when your original plan needs a tune-up. Stop guessing and start managing.

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

Highlights:

01:00 Mastering the when as well as what

05:33 How to know when our portfolio needs a tune up

09:42 When doing nothing is ok

12:44 The sign your original plan needs an overhaul

---

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

---

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

With Ritesh Ganeriwal, head of investment advisory at Syfe and Kenneth Chan, associate financial planner at PhillipCapital

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Speed is everything in investing—but is it actually the enemy of wealth? We’re conditioned to trust human advisors, but what if your portfolio manager, tax expert, and risk officer was a cold, calculating AI?

Howie Lim speaks with 8FIGURES founder Andrew Izyumov to ask: can AI truly cure emotional trading habits, or is it just an "artificial sycophant"? Should we let an algorithm manage your future?

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

Highlights:

01:04 The trust gap

04:01 The incentive trap

08:43 When AI agents disagree

11:28 AI calms investors?

---

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

---

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

With Andrew Izyumov, founder of 8FIGURES

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Retrenchment isn't just a career setback; it's a financial and psychological earthquake. Howie Lim speaks with clinical psychologist Dr Annabelle Chow about navigating the initial shock. What is the single biggest financial mistake most make in the first 48 hours and how to stop panic from driving your decisions?

From mastering the "3-bucket" survival strategy to separating your identity from your paycheck, and moving from fear to clarity. Don’t let uncertainty manage your future. Reclaim your financial agency—because while jobs go, your security shouldn't.

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

Highlights:

01:06 The #1 financial mistake after job loss

05:01 Untouchable when money's tight

07:50 Separating identity from paycheck

11:19 Pivoting careers without panic-driven decisions

13:32 The 3-bucket approach to surviving a layoff

19:30 One small financial win to regain control

---

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

---

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

With Dr Annabelle Chow, clinical psychologist, Annabelle Psychology

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo

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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Sudden windfall? Congratulations — now don't screw it up. Let’s tackle the messy reality of instant wealth: the 30-day rule before making any big moves, why "generous relative energy" can drain your fortune fast, and the emotional identity crisis nobody warns you about.

RBC's Gautam Chadda breaks down guilt-free spending, family giving frameworks, and staying rich long after the confetti settles.

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

Highlights:

01:49 Doing nothing: the smartest move

05:15 Net worth vs. self-worth

09:55 The boring paperwork that protects

13:19 Guilt-free spending: budget for fun

18:27 Money will test a marriage

---

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

---

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

With Gautam Chadda, executive director, RBC Wealth Management Asia

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo

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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Markets crash. Portfolios bleed red. And your gut screams "sell everything." But what if the scariest moment in investing is also the most dangerous time to trust your instincts?

Howie Lim sits down with Grace Tay from finexis advisory to find out why panic selling turns temporary losses permanent, why "get-evenitis" wrecks recoveries, and how one simple framework — reframe, reset, reenter — can turn your worst market moment into your smartest move yet.

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

Highlights:

00:57 Sharp crashes vs. slow grinds

04:04 How often do markets actually crash?

07:34 ‘Get-evenitis’

10:31 The framework for beating fear

---

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

---

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

With Grace Tay, associate director, finexis advisory

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Is your financial plan truly resilient, or are you one emergency away from disaster? 61% of households struggle to cope beyond six months after a loss of income. Howie Lim sits down with Sun Life Asia’s David Broom to dismantle the myth that resilience equals a high salary.

Is Singapore’s “safe haven” status creating a false sense of security? And how to stop trading your long-term future for short-term survival. Discover the habits that separate the resilient from those in survival mode.

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

Highlights:

01:12 Why 6 months may not be enough anymore

08:31 The most dangerous thing to do

11:11 Singapore’s false sense of security?

13:51 When, where and how to start

---

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

---

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

With David Broom, chief client and distribution officer, Sun Life Asia

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

You think investing is complicated? That's exactly the problem. What if you could start with $10 with no need to wait for the "right time"? Many entities are quietly embedding finance into everything you already do, and the best investment app feature isn't a chart — it's a well-placed "Are you sure?" Whether you're a first-timer or a seasoned portfolio juggler, this one will change how you think about where your idle money is sleeping.

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

Highlights:

01:36 Analysis paralysis: the real reason people don't invest

04:36 No lock-ins, no surprises: the transparency play

08:45 Are digital wealth platforms for the savvy investor?

13:02 Intentional friction in a fast-finger world

---

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

---

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

With Jenn Ong, group head of retail at GXS Bank

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Your "ETF and chill" strategy just got a reality check. Halfway through 2026, the S&P 500 is no longer the only game in town — and the smartest investors are quietly restructuring. Chips, crypto, Singapore blue chips, UCITS ETFs — what's hype and what's genuinely worth owning? Oriano Lizza from CMC Markets and Ritesh Ganeriwal from Syfe cut through the noise. Less FOMO, more discipline. This is your mid-year portfolio wake-up call.

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

Highlights:

01:11 Is it time to look beyond US stocks?

04:22 Hot sectors: smart bet or expensive FOMO?

07:57 What is driving the trading surge?

10:17 What a truly resilient portfolio looks like

13:19 Don’t make these mistakes in H2

---

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

---

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

With Ritesh Ganeriwal, managing director and head of investment advisory at Syfe and Oriano Lizza, sales trader at CMC Markets

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.