BT Money Hacks

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

In this 104th episode of Money Hacks, correspondent Howie Lim speaks to Morgan Terigi, CEO and co-founder of Incomlend about how cash-strapped SMEs can access diversified sources of working capital, especially during these challenging times.

Highlights of the conversation:

1. SMEs’ lack of access to working capital as Government support schemes ease (1:15)
2. Why SMEs should consider non-recourse financing options, though it’s riskier for lenders (4:00)
3. Other alternative and suitable financing options for SMEs (7:26)
4. How ESG can be an accelerator for an SME’s growth (11:27)

Produced by: Howie Lim, Ernest Luis and Lee Kim Siang

Edited by: Howie Lim

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

Channel: http://bt.sg/btmoneyhacks

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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: https://bt.sg/pcOM

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For more on personal finance, go to: bt.sg/moneyplaybook

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

This week's 103rd episode explores whether it’s ever too late to start planning for retirement and what you can do if you’re 60 and haven’t.

Correspondent Howie Lim speaks with Jay Phua, Financial Services Director at Great Eastern.

Highlights of the conversation:

1. The common misconceptions surrounding retirement planning (1:49)
2. Is it too late for a 60-year old to start planning for retirement? (4:55)
3. Is reducing equity exposure when nearing retirement a good idea? (8:05)
4. Unique hurdles to financial planning women face (9:51)
5. Survey results: Biggest regrets when retirement planning according to respondents (11:43)

Produced by: Howie Lim and Ernest Luis

Edited by: Howie Lim

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

Channel: http://bt.sg/btmoneyhacks

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Spotify: http://bt.sg/oeGN

Google podcasts: http://bt.sg/oeGP

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: https://bt.sg/pcOM

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For more on personal finance, go to: bt.sg/moneyplaybook

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

This week's episode helps you understand the reasons behind the changing regulatory climate in China and how to act on them while taking fewer risks, brought to you by OCBC Securities: www.iocbc.com

BT's digital editor Chris Lim hosts Lim Yuin, chief investment strategist from Lion Global Investors, and Darren Tan, head of fixed income, Structured Products and ETFs at OCBC Securities.

They explain the following:

1. Why the Chinese market could surpass the US by 2026; Alibaba v Amazon an example of Chinese growth potential (1:00)
2. Sectors to monitor for long-term potential despite Chinese regulatory tweaks (3:02)

3. Know common key barriers for Singapore-based investors when it comes to Chinese investments; overcome them safely and easily (3:52)

4. How investors can avoid common pitfalls with easy-to-use basket options such as the Lion-OCBC Securities China Leaders ETF (5:58)

5. Main pros and cons of DIY investing at one extreme vs simply buying an ETF at the other extreme? (8:24)

6. How geographic diversification can strengthen a Singapore-based investor's portfolio (9:52) 

Lion-OCBC Securities China Leaders ETF: www.iocbc.com/chinaleaders

OCBC Securities: www.iocbc.com

Lion Global Investors: https://www.lionglobalinvestors.com/en/index.html

Produced by: Chris Lim & Ernest Luis

Edited by: Hadyu Rahim

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

Channel: http://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe

Spotify: http://bt.sg/oeGN

Google podcasts: http://bt.sg/oeGP

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. An investor should read the prospectus that can be attained from www.iocbc.com before deciding whether to subscribe for or purchase units in the ETF. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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Discover more BT podcast series:

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

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

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

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For more on personal finance, go to: https://bt.sg/moneyplaybook

#BTPodcast

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WealthBT Ep 4: The profitability of integrated shield portfolios

12:46 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 fourth episode of the WealthBT podcast, BT's wealth editor Genevieve Cua looks into the profitability of Integrated Shield portfolios. Most insurers’ Shield results staged a turnaround in 2020. What does this mean for you?

She tackles the following points:

Integrated Shield plans’ loss making trend since 2015; what happened in 2020? (1:11)

Four factors that helped push Shield portfolios into the black (3:55)

What does this mean for premiums? (8:46)

In the pipeline: More changes for Shield; payouts for cancer drugs to be aligned with MediShield Life and new sub-limits likely (9:33)

Produced by: Genevieve Cua ([email protected]), Howie Lim & Lee Kim Siang

Edited by: Howie Lim

Follow WealthBT podcasts and rate us on:

Channel: http://bt.sg/btwealthbt

Apple Podcasts: http://bt.sg/wbAP

Spotify: http://bt.sg/wbSP

Google Podcasts: http://bt.sg/wbGO

Website: http://bt.sg/wealthbt

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.

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

See omnystudio.com/listener for privacy information.

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

This week's 101st episode explores whether there are too many financial advisers in Singapore and if we actually need them. Is it possible to take care of your own financial planning? 

Correspondent Howie Lim speaks with Wayne Chen, founder and CEO of GoalsMapper, a financial planning software that combines technology with the experience of financial consultants.

Highlights of the conversation:

1. The implications of too many financial advisers (2:30)
2. If it’s possible to do your own financial planning (3:35)
3. What a DIY plan looks like (6:30)
4. The need for more ethical, upstanding and trustworthy financial advisers (8:36)
5. How technology can aid the financial planning process (10:55)

Produced by: Howie Lim ([email protected]), Ernest Luis & Fa'izah Sani

Edited by: Hadyu Rahim and Howie Lim

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

Channel: http://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe

Spotify: http://bt.sg/oeGN

Google podcasts: http://bt.sg/oeGP

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: https://bt.sg/pcOM

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For more on personal finance, go to: bt.sg/moneyplaybook

See omnystudio.com/listener for privacy information.

BT Mark To Market Ep 10: CapitaLand’s big restructuring

11:30 min

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

In this 10th episode of the Mark To Market podcast, BT's senior correspondent Ben Paul talks about CapitaLand's big restructuring exercise, which has made it the third best performing STI component stock so far this year. 

CapitaLand's repeated reimagination of itself (1:58)

Why the latest restructuring plan has spurred its stock (4:50)

How CapitaLand stole City Developments' thunder (8:00)

Should investors hold on to the stock after its big run? (9:30)

Produced by: Ben Paul ([email protected]), Ernest Luis and Howie Lim

Edited by: Howie Lim and Hadyu Rahim

Follow BT Mark To Market podcasts and rate us on:

Channel: http://bt.sg/btmark2mkt

Apple Podcasts: https://bt.sg/4DJp

Spotify: https://bt.sg/4DJN

Google Podcasts: http://bt.sg/4D2E

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.

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

This week's monumental 100th episode looks at the importance of investing the extra cash you have, instead of saving too much. You could actually lose money if you just allow it to do nothing.

BT's digital editor Chris Lim and his new co-host - correspondent Howie Lim - speak with David Kuo, co-founder of The Smart Investor. Chris and some listeners also tell us what they learnt from crucial episodes along the way to this 100th episode of Money Hacks.

Highlights of the conversation:

1. Chris talks about his favourite Money Hacks episodes (1:58)
2. Start investing now! Lose money if you do nothing and leave your cash idle (4:47)
3. The Rule of 100 and the Rule of 72 in relation to risk aversion (7:42)
4. Low interest rate environment is another reason you should invest (9:25)
5. Your age - more than how much you earn - should dictate how much you invest (11:20)
6. Establish your goal in a proper investing plan and not treat it as a hobby (13:37)

Produced by: Chris Lim ([email protected]), Howie Lim ([email protected]) & Ernest Luis

Edited by: Hadyu Rahim and Howie Lim

Read: Saving too much for rainy day can dampen retirement:  https://www.businesstimes.com.sg/banking-finance/money-playbook/saving-too-much-for-rainy-day-can-dampen-retirement

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

Channel: http://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe

Spotify: http://bt.sg/oeGN

Google podcasts: http://bt.sg/oeGP

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: https://bt.sg/pcOM

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For more on personal finance, go to: bt.sg/moneyplaybook

See omnystudio.com/listener for privacy information.

WealthBT Ep 3: Personal accident (PA) policies: How much do you need?

12:30 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 third episode of the WealthBT podcast, BT's wealth editor Genevieve Cua looks into personal accident (PA) policies: What features should you be aware of and how much do you need?

She tackles the following points: 

Where PA plans fit in your insurance portfolio and reasons not to buy too much (1:38)

Basic benefits of PA and exclusions (3:32 )

PA premiums vary widely: Things to note (Bundled vs unbundled benefits; not guaranteed; mostly not guaranteed renewable) (6:55)

PA for older people makes sense (9:44)

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

Edited by: Howie Lim

Follow WealthBT podcasts and rate us on:

Channel: http://bt.sg/btwealthbt

Apple Podcasts: http://bt.sg/wbAP

Spotify: http://bt.sg/wbSP

Google Podcasts: http://bt.sg/wbGO

Website: http://bt.sg/wealthbt

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.

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

See omnystudio.com/listener for privacy information.

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

This week's episode looks at how many people have set up a part-time business, or side-hustle, especially amid the disruption and uncertainty caused by the Covid-19 pandemic. Understand how to turn your side hustle into a money-making ESG (Environmental, Social, and Governance) business in this episode, brought to you by Withers KhattarWong: https://www.withersworldwide.com/en-gb/

BT's digital editor Chris Lim hosts Helga Angelina, entrepreneur and founder of Burgreens and Green Rebel, in Indonesia.

She explains the following:

1. How her health issues gave her an idea to start her businesses after graduating from college (1:40)
2. Challenges to start a healthy food business in Indonesia as there was initially no mainstream society understanding of plant-based diets there (3:12)
3. Why market education on healthy eating lifestyle, collaborations and invitations by key opinion leaders to public talks, makes a difference (5:00)
4. Step-by-step guide to convert your passion project or beliefs into a real business idea and ESG-driven model (7:40)
5. Find a co-founder who shares the same mission and values (9:17)
6. Advice for budding ESG women entrepreneurs (10:17)

Withers Worldwide: https://bit.ly/3xiTFo0

Produced by: Chris Lim & Ernest Luis

Edited by: Adam Azlee and Hadyu Rahim

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

Channel: http://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe

Spotify: http://bt.sg/oeGN

Google podcasts: http://bt.sg/oeGP

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: https://bt.sg/pcOM

See omnystudio.com/listener for privacy information.

BT Podcasts: How GovTech balances best of big tech and digital government in Singapore

22:46 mins

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

This episode focuses on Singapore's approach to digital government, how it makes sense of modern tech practices to help governments and citizens. HelpGov and the Covid19 vaccine appointment system are two specific examples.

BT's digital editor Chris Lim and correspondent Gayle Goh host Li Hongyi, director of Open Government Products at GovTech Singapore, as they discuss the following:

What is GovTech, and specifically, what is the Open Government Products division within GovTech? (0:56)

How digital government has to quickly "course-correct" with ever-changing technology and how there is no perfect tech product right out of the box (3:14)

How digital government also requires trust and delegation (8:30)

How to balance speed of product rollouts and high expectations of digital government in Singapore (11:28)

How the team launched vaccine.gov.sg and improved and tweaked its user interface to improve public response (15:52)

How to achieve digital inclusivity in an evolving tech eco-system that may confuse citizens (17:40)

Discover more Open Government Products: https://www.open.gov.sg/products/overview

Covid-19 vaccine appointment system overview: https://www.open.gov.sg/covid-19/covid19vaccination

Produced by: Chris Lim ([email protected]), Gayle Goh ([email protected]), Ernest Luis, Adam Azlee & Hadyu Rahim

Edited by: Adam Azlee & Howie Lim

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Follow BT podcasts:

Channel: http://bt.sg/podcasts

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

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

BT WealthWise Podcast on: http://bt.sg/btwealthwise

Feedback to: [email protected]

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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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