BT Money Hacks

June is upon us and it’s time to get out! But can you still find bargains during travel peak time? Have you considered an alternative destination and how else can you maximise your travel budget? Howie Lim speaks to Cyndi Hui from Skyscanner to find out.

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

Highlights:

02:15 The value maximisation continues

05:25 If flexibility isn’t on the table

08:39 Luxe for less

12:31 Year-end travel trends

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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 Cyndi Hui, travel trends and destination expert, Skyscanner

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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

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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 Branded Podcasts at: bt.sg/brpod

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Exchange-traded funds are an excellent entry point into the stock market for new investors. They’re cheap and typically carry lower risk than individual stocks since a single fund holds a diversified collection of investments. How’ve they been doing so far with all this market volatility? Howie Lim finds out from Dina Ting of Franklin Templeton.

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

Highlights:

01:57 Shifting investor appetite

04:38 Favourable market conditions

08:34 Portfolio repositioning

13:53 How to navigate uncertainty

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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 Dina Ting, senior vice president, head of Global Index Portfolio Management, Franklin Templeton

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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.

Given the potential for Reits to outperform in a muted Singaporean economy due to their attractive dividend yields, the question arises: should investors consider shifting their investments from banks to Reits? Howie Lim finds out from the experts.

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

Highlights:

01:10 The current landscape

03:26 Reits vs. banks vs. STI?

06:42 Outlook for the rest of 2025

09:25 Strategic portfolio approach

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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 Daphne Tan, head of business development, CMC Markets Singapore; and Ritesh Ganeriwal, managing director and head of investment and advisory, Syfe

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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.

In the middle of May, the US said they would lower tariffs from 145 per cent to 30 per cent, while China's retaliatory tariffs on US goods will drop to 10 per cent from 125 per cent. This is promising but doesn’t take away from the fact that the tariffs may have dealt a blow to Chinese markets already.

Is China still worth investing in, then? Howie Lim speaks to the experts to find out.

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

Highlights:

01:25 Tariff impact on China

04:53 Chinese investment opportunities

09:00 Navigating uncertainty

10:20 Why China is still worth it

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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 Raisah Rasid, global market strategist at J.P. Morgan Asset Management and Sean Teo, trader at Saxo

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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.

You’d like a marble counter top, zebra wood for your floors and designer fixtures. But before all that, shouldn’t you figure the budget out and if you have the money? If not, maybe there are loans out there to tap on. For more insights on how to ‘hack’ your home renovations, Howie Lim speaks to Jenn Ong, managing director of GXS Bank.

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

Highlights:

00:43 Home renovations - exciting or overwhelming

03:26 Setting realistic budgets

05:04 Flexibility in loan payments

09:08 The best financial solutions

11:36 Must dos

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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 Jenn Ong, managing director, 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

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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 Correspondents: bt.sg/btcobt

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.

Rising costs and uncertainty have knocked the long heralded $1 million off its pedestal. Or has it? Is $1 million enough to retire on? If not, how much is enough? And how quickly can one get to their magic number? Howie Lim speaks to The Weeblings, content creators who are a quarter way there for insights.

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

Highlights:

01:57 The Weeblings’ magic number

08:09 Steps to take to obtain magic number

12:26 Why we should follow The Weeblings

16:55 Advice for the risk adverse

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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 Sara and Aaron Wee, content creators

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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.

Can personal finance be as simple as ‘staying in your lane’ and not ‘speeding’? Surely it’s more complex than that. Or is it? Howie Lim speaks to financial advisor and author George Stefanou about his ‘5 lanes of personal finance’ theory. 

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

Highlights:

01:28 How to classify needs, wants and wishes

05:31 The 5 lanes of personal finance management

07:34 The 5 lanes of personal finance management - con’t

12:26 How to stay the course, if not in your lane

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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 George Stefanou, financial advisor and author

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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 Trump tariffs have released market mayhem. How is your 60/40 portfolio doing? Should you rejig this classic investment strategy and how can you balance your defensive positioning with the growth potential of your investments? Howie Lim speaks to Audrey Goh from Standard Chartered Bank and Pete Tan from PhillipCapital for insights.

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

Highlights:

01:06 The 60/40 portfolio assessed

03:58 How investors have been reacting

07:45 How 60/40 manages volatility

09:36 Investment opportunities in uncertainty

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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 Audrey Goh, head of asset allocation at Standard Chartered Bank’s wealth solutions division and Pete Tan, portfolio manager 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

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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 Correspondents: bt.sg/btcobt

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.

As it becomes more challenging to earn a decent interest rate on our savings, it’s time to look beyond fixed deposits and T-Bills, for that matter.

Are there instruments which afford the same returns as fixed deposits but greater flexibility? Howie Lim speaks to Michele Ferrario of StashAway and Willie Keng from dividendtitan.com to find out.

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

Highlights:

01:10 Money Market Funds

04:48 Money Market Funds vs. Short-term Bonds

09:19 What is the safest bet?

11:17 The myth surrounding fixed income

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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 Michele Ferrario, co-founder and CEO of StashAway and Willie Keng, founder of dividendtitan.com

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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.

How do you turn your flailing portfolio around if it had an abysmal time in Q1? What were the mistakes you made and what can you do about them to have a fruitful rest of the year? Howie Lim speaks to David Kuo from The Smart Investor and Hugh Chung from Endowus for advice.

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

Highlights:

02:13 Do not do this anymore

07:04 Noise vs economic data

11:17 Turn things around

13:21 Outlook for the rest of 2025

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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 David Kuo, founder, The Smart Investor and Hugh Chung, chief investment officer, Endowus

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & 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 Correspondents: bt.sg/btcobt

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.