Is financial independence becoming unaffordable in Singapore? In this roundtable, we compare median household incomes with HDB and car prices in 2005 and 2025 to examine whether Singaporeans are genuinely finding it harder to get ahead—or whether our expectations and lifestyles have also changed. We explore how rising living costs and lifestyle inflation can make financial independence feel increasingly out of reach, before discussing what financial independence truly means and whether it remains a realistic goal for the average Singaporean today. All this and more in our latest episode!

00:00 Intro

00:50 Housing, cars, salaries

05:32 Why does it feel unaffordable?

10:43 Inflation

12:26 Financial independence

18:00 Comparison

How much debt should you actually have? And is becoming completely debt-free always the best goal? In this episode, we examine property loans using the 3-3-5 rule and discuss whether it makes sense to borrow for home renovations, cars and education. We also explore when car debt might be justified, why some people prefer the security and freedom of owing nothing at all, and how to strike the right balance between using debt and building wealth. All this and more in our latest episode!

Does spending more time researching investments actually lead to better returns—or simply more stress? In this roundtable, we explore the "Return on Effort", a hidden metric that could change how you invest. We examine why successful investing is often more about managing yourself than constantly managing your portfolio, and why doing nothing can sometimes be the smartest move. Finally, we discuss how to choose an investing approach that delivers satisfactory returns while fitting your time, temperament and lifestyle. All this and more in our latest episode!

The Johor Bahru–Singapore RTS Link promises faster, easier cross-border travel—but could it divert Singapore’s retail spending across the Causeway? We examine how the RTS may change shopping habits, which Singapore malls and retail S-REITs could be most exposed, and whether increased spending by Malaysian visitors could offset some of the impact. We take a closer look at Frasers Centrepoint Trust, Lendlease Global Commercial REIT, CapitaLand Integrated Commercial Trust, Starhill Global REIT and Mapletree Pan Asia Commercial Trust—and whether investors should avoid these REITs or view any market weakness as an opportunity. All this and more in our latest episode!00:00 Intro

00:56 RTS

03:53 Impact on SG retail

14:28 Regional impact

16:31 Impact on retail S-REITs

17:21 Frasers Centrepoint Trust

18:33 Lendlease Global Commercial REIT

19:28 CapitaLand Integrated Commercial Trust

20:11 Starhill Global REIT

20:30 Mapletree Pan Asia Commercial Trust

21:10 Factors to consider

24:16 What to do as an investor

27:42 Sheng Siong

How should you invest when markets are volatile and uncertainty is high? When prices are swinging sharply and headlines are changing daily, it can be difficult to know whether to buy, sell or simply stay on the sidelines. In this discussion, we break down the key factors investors should consider when evaluating opportunities, managing risk and positioning their portfolios during unpredictable markets. Tune in as we share practical perspectives on staying disciplined, avoiding emotional decisions and investing with greater confidence amid uncertainty.
00:00 Intro

00:57 Key factors

01:22 Business model

05:42 Balance sheet

06:49 Allocation

The KOSPI more than doubled in 2026 before plunging 40%—but what drove this extraordinary boom-and-bust cycle? We unpack three key factors that fuelled the spectacular rally and magnified the subsequent crash, while examining the role of volatility, investor sentiment and leverage in the market. With KOSPI valuations now significantly lower, is this an attractive buying opportunity, or could the market have further to fall? Finally, we also discuss whether Singapore’s similarly top-heavy Straits Times Index could ever face the same risks and scenario. All this and more in our latest episode!00:00 Intro

01:07 KOSPI rise & fall

04:13 Leveraged ETFs

05:55 Volatility

09:45 Bubble

13:41 Opportunity?

17:41 Allocation

18:15 Semiconductor cycle

19:21 Leverage in the system

23:35 STI concentration

In this roundtable, we revisit the Pan-Electric crisis and explore how it gave rise to Singapore's Central Depository (CDP) and transformed the way investors own and safeguard their shares today. We explore the key differences between CDP versus custody accounts, compare the advantages and safeguards of each, and discuss whether custody accounts could eventually rival CDP. We wrap up by sharing practical guidance on choosing between CDP and custody accounts based on your investing needs. All this and more in our latest episode!

00:00 Intro

01:26 CLOB saga

06:26 Pan-Electric crisis

11:30 Advantages of CDP

15:37 Advantages of custody accounts

20:20 Safeguards

23:32 Will custody accounts match CDP?

26:50 CDP or custody

31:30 Role of SIAS today

In this fireside chat, we explore some of the most common money beliefs Singaporeans grow up with, and whether they actually hold up. From the fear of debt and the role of CPF to popular financial sayings and investing myths, we discuss how these beliefs shape our financial decisions and what investors should consider instead. All this and more in our latest episode!

00:00 Intro

00:44 Debt

04:40 CPF

09:55 Singaporean beliefs

How much should you really be earning in Singapore? Using insights from The Straits Times' 2026 Singapore Salary Guide, we dive into the data to uncover salary trends across different professions and discuss what they really mean for your financial journey. But beyond the numbers, we explore bigger questions: Is comparison the thief of joy? Is your income really your financial report card? At what point does earning more stop making a meaningful difference to your happiness? Join us for a thoughtful discussion on salary, money, wealth, and what it truly means to achieve financial success in Singapore.

00:00 Intro

03:35 Comparison

05:43 Balance

09:40 $15K or $8K?

11:05 Net worth

14:52 Luck

16:19 Privilege

Is this semiconductor ETF still one of the best ways to invest in the AI revolution, or has the easy money already been made? In this roundtable, we break down the ETF's holdings, performance, and long-term prospects. We discuss whether the semiconductor industry can continue growing as AI adoption accelerates, and examine whether today's valuations still offer attractive long-term investment opportunities. We also explore the biggest risks investors should be aware of, including the industry's cyclical nature, concentration risk, and the factors that could derail the AI investment boom. Whether you're considering adding a semiconductor ETF to your portfolio or wondering if it's still worth increasing your exposure after its strong rally, this episode will help you make a more informed investment decision. All this and more in our latest episode!

00:00 Intro

01:30 ETF holdings

04:19 Industry projections

10:33 Cycles

14:34 Valuation

21:32 Risks