The DollarsAndSense Podcast

If the market suddenly falls 20% or 30%, should you keep investing the same amount — or is that exactly when you should invest more?

Dollar-cost averaging (DCA) is popular for a reason: invest a fixed amount regularly, stay disciplined and avoid trying to predict where markets are heading.

But there’s an interesting limitation. If prices fall significantly, traditional DCA still tells you to invest the same amount.

So, could there be a systematic way to buy more when markets are relatively cheaper — without relying on fear, greed or gut feeling?

In this episode of the DollarsAndSense Podcast, we sit down with Chloe Lin from ArigatoInvestor to explore DCA, “buying the dip”, and Webull’s Dynamic Regular Savings Plan (Dynamic RSP), which adjusts how much you invest based on predetermined market conditions.

We discuss:

• Why DCA remains one of the simplest ways to build investing discipline
• Why actually buying more during a market downturn can be psychologically difficult
• How Dynamic RSP uses moving averages to adjust investment amounts
• How a regular $500 investment could become $600 or even $1,000 as market conditions change
• Whether this is really “timing the market”
• The difference between using 120-, 250- and 300-day moving averages
• Why the underlying investment matters more than the investing strategy itself
• Why ETFs may be more suitable than individual stocks for this type of long-term strategy
• The cash-flow risk investors need to consider before setting up Dynamic RSP
• When traditional DCA may still be the better choice

Chloe also shares a 25-year backtest comparing regular monthly investing with Dynamic RSP, and why changing how much you invest during different market conditions could make a difference over a long investment horizon.

Ultimately, the best investing strategy isn’t necessarily the most sophisticated one. It’s the one you understand, can afford, and can consistently stick with.

This episode is brought to you in collaboration with Webull Singapore.

Ready to start investing? Open a Webull trading account via Singpass and access the US, Hong Kong and China markets, along with a range of investing tools and features.

👉 Open a Webull account and check out the latest offers here: https://dollarsandsense.link/webull

With US markets experiencing sharp swings, how can investors build their portfolios while managing volatility and keeping trading costs low?

In this episode of the DollarsAndSense Podcast, host Feng Yi speaks with Vik, Director and Head, Securities Retail Sales at Phillip Securities, about navigating market volatility, dollar-cost averaging, and how zero-commission investing can help investors build their portfolios more cost-efficiently.

We also explore the POEMS Cash Plus account, which offers zero commission and zero platform fees for US stock trading, and discuss how investors can evaluate trading costs alongside other factors when making investment decisions.

From buying the dip to managing US dividend withholding tax, discover practical insights to help you make more informed investment decisions.

Explore zero-commission US stock trading with the POEMS Cash Plus account.

👉 Learn more about POEMS: https://www.poems.com.sg/stock-research/]

👉 Open a POEMS account: [https://www.poems.com.sg/cash-plus/]

Disclaimer

This material is provided to you for general information only and does not constitute an investment advice, a recommendation, an offer or solicitation to subscribe for, purchase, sell or redeem any investment product or services mentioned herein.

It does not have any regard to your specific investment objectives, financial situation or any of your particular needs. Any views or opinions are personal and expression of belief, information may be obtained from public sources which the Company has no reason to believe are unreliable and is subject to changes.

Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or damages of any kind arising whether directly or indirectly as a result of your reliance or acting based on this information. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of units in any fund and the income from them may fall as well as rise.

You should obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase the investment product or obtain any of the services mentioned herein. In the event you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product or services are suitable for you before proceeding to invest.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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🎧 Listen to our podcast on Spotify:
https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: https://www.instagram.com/emceefeng/

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Singapore investors may know SGX for local stocks, but Singapore Depository Receipts (SDRs) offer access to selected overseas-listed companies while still trading in Singapore dollars during SGX market hours.

In this episode of the DollarsAndSense Podcast, Feng Yi and Deanna speak with Bernice, SGX’s product manager for SDRs, and Han Hui, a trading representative from UOB Kehian, to explain how SDRs work and where they may fit in a portfolio.

They explain what investors actually own, how pricing and conversion ratios work, and how liquidity compares with buying overseas directly, including why trading in SGD does not remove foreign exchange risk. The discussion also explores how SDRs can help diversify into sectors less represented in Singapore. A key takeaway is that being familiar with companies like Grab or Sea as a user is very different from evaluating them as investments, which still requires assessing business models, growth, risks and valuation.

Bernice and Han Hui also share when SDRs may be useful, and when investing directly overseas may still be more appropriate.

Watch this episode for a clear breakdown of SDRs, the trade-offs involved, and what investors should consider before adding them to a portfolio.

00:35 Investing beyond Singapore through SGX
03:37 What exactly is an SDR?
04:47 Do SDR investors own the underlying shares?
05:43 Understanding conversion ratios
06:39 How an SDR price is calculated
07:32 Why investors may choose SDRs
08:39 Comparing the total cost of investing
09:57 SDR liquidity versus overseas shares
11:01 How Singapore investors are using SDRs
12:40 Why Singapore-dollar trading still has FX risk
13:23 Bite-sized investing and position sizing
16:09 Diversifying beyond Singapore sectors
17:29 Evaluating SpaceX, Sea and Grab as investments
20:50 How retail investors are using SDRs
22:05 SDRs versus investing directly overseas
23:01 The risks investors should understand
25:43 When might an SDR be worth considering?

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/

🎧 Listen to our podcast on Spotify:
https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: https://www.instagram.com/emceefeng/
https://www.instagram.com/deedeelsm/


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CFDs allow traders to take advantage of short-term market movements, whether prices are rising or falling. They can also be used to access global markets, trade with leverage or hedge an existing investment portfolio.

However, CFD trading is very different from long-term investing. While leverage can give you greater market exposure with less upfront capital, it can also amplify your losses when a trade moves against you.

In this episode of DollarsAndSense Markets, Alex Furber, Head of Client Engagement at Maybank Securities, explains how CFD trading works, why traders use it and the risks that investors need to understand.

We also discuss going long and short, trading around market news, managing margin calls and why discipline may be more important than correctly predicting every trade.

CFDs can be a useful tool, but they should never be treated as a shortcut to making quick money.

00:00 Introduction
03:25 What Is CFD Trading?
04:18 Common Misconceptions About CFDs
05:36 Why Do Traders Use CFDs?
10:28 Using CFDs For Short-Term Trading
14:46 How Leverage Works In CFD Trading
16:18 Accessing Global Markets And Going Long Or Short
20:05 The Biggest Risks Of CFD Trading
22:23 Practical Risk Management Strategies
27:29 Who Is CFD Trading Suitable For?

This Markets season is proudly brought to you in collaboration with Maybank Securities.

Disclaimer: This advertisement has not been reviewed by the Monetary Authority of Singapore. For general information only and do not constitute an inducement, recommendation, offer, or solicitation to buy or sell any of the securities mentioned. Past performance is not indicative of future results. This interview does not take into account your specific investment objectives, financial situation or particular needs. All investments carry risks, and may not be suitable for all investors. Please seek independent advice to ensure you fully understand these risks and that an investment product is suitable for you before investing. Maybank Securities Pte. Ltd is not liable for any loss or damage, including without limitation loss of profit, which may arise directly or indirectly from this interview.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/

🎧 Listen to our podcast on Spotify:
https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: https://www.instagram.com/emceefeng/

📩 Don't forget to subscribe to our e-newsletter for the latest updates:
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Having insurance does not automatically mean you are adequately protected.

A serious illness, accident, loss of income, or unexpected family situation can change your finances overnight. The key question is whether your coverage can support you and your dependants when it matters most.

Recorded on-site at InsureXpo by CIMB 2026, host Deanna Lim and Helen Shen from Singlife discuss common protection gaps in Singapore, why insurance should work alongside wealth building, and how caregiving for ageing parents can create both emotional and financial strain.

Helen also shares how to review multiple policies, understand exclusions, and build protection step by step even on a tight budget.

In this episode, we explore why people delay protection planning, the false sense of security from simply owning policies, and how a parent’s health crisis can impact the whole family. We also cover key questions to ask your adviser, the importance of reviewing older policies, sufficient medical and hospitalisation coverage, and how insurance supports long-term financial resilience. Finally, we discuss how to start small and three simple protection checks to do this year.

The goal is not to own more policies, but to ensure your coverage matches your life stage, responsibilities, and financial priorities.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/

🎧 Listen to our podcast on Spotify:
https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: Deanna Lim https://www.instagram.com/deedeelsm?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==

📩 Don't forget to subscribe to our e-newsletter for the latest updates:
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How much money do you really need to retire comfortably in Singapore? Is the famous $1 million retirement goal realistic, or should you be focusing on something else?

In this special episode of the DollarsAndSense Podcast, filmed live at **InsureXpo by CIMB 2026, we sit down with Prof Sharon Ng to discuss what financial independence actually means—and why retirement planning isn't just about hitting one magic number.

In this episode, we cover whether $1 million is enough for retirement, how to calculate your own retirement needs, why financial independence looks different for everyone, common retirement planning mistakes, the importance of insurance and protecting your financial future, habits that help you build long-term financial security, and the "Sleep Test", a simple way to know if you're financially prepared.

Whether you're just starting your career or already planning for retirement, this conversation offers practical insights to help you build lasting financial confidence.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/
Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: Feng Yi https://www.instagram.com/emceefeng

Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Market volatility can be uncomfortable, but it's also a normal part of investing.

In this special episode of the DollarsAndSense Podcast, recorded live at InsureXpo 2026 by CIMB, we speak with Diana Teo, Team Lead, Equities at CIMB Chief Investment Office, about how investors can stay disciplined when markets become uncertain.

We discuss why emotions often become the biggest obstacle to long-term investing, how investors can distinguish between rational decisions and fear-driven reactions, and why having a clear investment plan matters before market volatility strikes. Diana also shares practical insights on diversification, portfolio resilience, and the investing habits that can help investors stay focused on their financial goals.

In this episode:
• Why volatility is a normal feature of markets
• How fear and emotions can hurt investment returns
• The importance of diversification and portfolio discipline
• How to avoid getting distracted by market headlines
• Why consistency often beats trying to time the market
• 3 investing fitness checks every investor should do this year

Whether you're investing for retirement, financial independence, or long-term wealth building, this conversation offers practical strategies to help you stay focused when markets become challenging.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/
Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: Feng Yi https://www.instagram.com/emceefeng

Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Scams are becoming more sophisticated and Singaporeans are attractive targets because of our savings, digital habits and trust in official communications.

In this episode of the DollarsAndSense Podcast, Feng Yi and Timothy discuss why scam and cybercrime remain a major concern in Singapore, why seniors may be especially vulnerable to high-value losses, and how different age groups are targeted through different scam tactics.

We cover:
- Investment scams promising low risk and high returns
- Government impersonation scams involving CPF, Singpass and alleged investigations
- Why scammers use urgency, fear and authority to pressure victims
- How AI-generated voices, faces and messages can make scams harder to spot
- CPF safeguards, including daily withdrawal limits, the CPF Withdrawal Lock, - Trusted Contact Notification Service and CPF Safety Switch
- How ScamShield and simple digital habits can help protect you and your loved ones

One important reminder: never make a financial decision because someone on the phone or in a message is pressuring you to act immediately. Pause, verify through official channels, and speak to someone you trust before transferring money or sharing personal information.

Share this episode with your parents, grandparents and loved ones. Staying informed is one of the best ways to protect the people around us.

This podcast episode is brought to you in collaboration with CPF.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/
Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Can ordinary Singaporeans really build $10 million by age 65?

In this special episode of the DollarsAndSense Podcast, recorded live at InsureXpo 2026 by CIMB, we sit down with Mr Loo Cheng Chuan, founder of the 1M65 movement, to discuss his latest and most ambitious idea yet: 10M65.

When 1M65 was first introduced, many people believed it was impossible. Today, countless Singaporeans have embraced the concept of using CPF strategically to build retirement wealth. Now, Mr. Loo is raising the bar again, from $1 million to $10 million by age 65.

We discuss whether 10M65 is a realistic goal for ordinary Singaporeans, how CPF and SRS fit into the strategy, why he believes in investing during market crashes, and his controversial views on property upgrading, retirement planning, and long-term wealth building.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/
Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb


Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Is $1 million enough to retire comfortably in Singapore?

For years, hitting the million-dollar mark has been seen as the ultimate financial milestone. But in today’s world, rising costs, longer lifespans, and inflation, is it really enough?

In this episode, we break down how long $1 million can actually last, the impact of inflation and healthcare costs, why your lifestyle matters more than the number itself, the investment strategies that can help stretch your retirement savings, and the common mistakes people make when building wealth.

We’re joined by Yu Sheng from Maybank Securities, who shares practical insights on investing, retirement planning, and how to grow (and protect) your wealth over time.

This video is brought to you in collaboration with Maybank Securities.

Disclaimer: For general information only and do not constitute an inducement, recommendation, offer, or solicitation to buy or sell any of the securities mentioned. Past performance is not indicative of future results. This interview does not take into account your specific investment objectives, financial situation or particular needs. All investments carry risks, and may not be suitable for all investors. Please seek independent advice to ensure you fully understand these risks and that an investment product is suitable for you before investing. Maybank Securities Pte. Ltd is not liable for any loss or damage, including without limitation loss of profit, which may arise directly or indirectly from this interview.

Follow us on our socials:
Facebook: https://www.facebook.com/DollarsAndSenseSG
Telegram: https://t.me/dollarsandsense
Instagram: https://www.instagram.com/dnssingapore/
Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb

Co-host: Feng Yi https://www.instagram.com/emceefeng

Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter