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/btwealthwise

Apple Podcasts: http://bt.sg/wwAP

Spotify: http://bt.sg/wwSP

Website: http://bt.sg/wealthwise

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.

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 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/btwealthwise

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

Spotify: http://bt.sg/wwSP

Website: http://bt.sg/wealthwise

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 on: https://bt.sg/btmoneyhacks

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

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

See omnystudio.com/listener for privacy information.

BT Podcasts: How to invest in small-cap stocks

10:17 mins

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

This episode focuses on small-cap stocks. A small cap is generally a company with a market capitalization of between $300 million and $2 billion

Find out what they are, why you should consider them, and how to go about investing in them, in this episode brought to you by RHB Singapore: https://rhbgroup.com.sg/

BT's digital editor Chris Lim hosts Jarick Seet, head of Small-Mid Caps Research at RHB Singapore, who explains the following:

Why should investors focus on small-cap stocks vs large caps, and why small-cap stocks with right fundamentals can outperform large caps? (1:08)

Key themes to note in RHB's regional Top Small Cap Companies Jewels 2021 book, which features new small cap stock ideas with undiscovered potential for investors to consider amid Covid-19 and the New Normal (1:45)

Why do small-cap stocks have an edge and why you can find value at a cheaper price in this space (3:54)

Besides the tech and semicon sector, how you can spot 'recovery theme' stocks (5:00)

Step-by-step roadmap for retail investors, starting with how to evaluate themes and work down the list of businesses that will benefit from such themes (6:44)

Comparing against companies' peers to check for overvaluation concerns & personal tips from Jarick Seet (7:55)

For RHB's Top 20 Singapore Small Cap Jewels 2021 Edition, contact: [email protected] 

RHB's Personal Investment: https://rhbgroup.com.sg/rhb/personal#Investment

RHB Facebook: https://www.facebook.com/RHB.SG

RHB LinkedIn: https://www.linkedin.com/company/rhb-singapore/

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

Edited by: Adam Azlee

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Follow BT podcasts:

Channel: https://bt.sg/pcOM

Apple Podcasts: https://bt.sg/pcAP

Spotify: https://bt.sg/pcSP

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

See omnystudio.com/listener for privacy information.

WealthBT Ep 2: Par insurance policies - Do lower illustrative rates suggest lower returns?

13:32 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 second episode of the the WealthBT podcast, BT's wealth editor Genevieve Cua looks into the insurance industry’s reduction of illustrative rates for par policies in July 2021. What does this mean for you?

She tackles the following points: 

What are par policies, and what are the new illustration or projection rates taking effect in July? (1:50)

Why are par policies’ illustrative rates being reduced? (4:18)

Life funds have actually performed well historically, in excess of the upper limit of the current illustrative rate (7:30)

Her expectation of what insurers’ product lineup of par products might look like in July: Perhaps a lower level of guaranteed return and longer breakeven points (9:28)

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

Edited by: Adam Azlee

Follow WealthBT podcasts and rate us on:

Channel: http://bt.sg/btwealthwise

Apple Podcasts: http://bt.sg/wwAP

Spotify: http://bt.sg/wwSP

Website: http://bt.sg/wealthwise

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 on: https://bt.sg/btmoneyhacks

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

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

See omnystudio.com/listener for privacy information.

BT Podcasts: Beef up your financial literacy with Money Hacks, WealthWise and Mark To Market podcast series

10:30 mins

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

In this special episode, Money Hacks host Chris Lim chats with WealthWise host Genevieve Cua, and Mark to Market host Ben Paul, about how BT Podcasts will cover the 'New Normal' for you during the Covid-19 pandemic.

Produced by: Chris Lim ([email protected]), Genevieve Cua ([email protected]), Ben Paul ([email protected]), Ernest Luis and Lee Kim Siang

Edited by: Adam Azlee

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Follow BT podcasts:

Channel: https://bt.sg/pcOM

Apple Podcasts: https://bt.sg/pcAP

Spotify: https://bt.sg/pcSP

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

See omnystudio.com/listener for privacy information.

WealthBT Ep 1: Claims-based pricing in Integrated Shield plans and how it works

15:17 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 first episode of the WealthBT podcast, BT's wealth editor Genevieve Cua breaks down what you need to know about Integrated Shield policies and the recent debate and controversy over certain aspects of cover.

She tackles the following points:

Shield plans: How they give you options for the type of care you want - be it a private hospital or a Class A ward in a government or restructured hospital (0:40)

From April 1, 2021, all riders will now require you to co-pay 5 per cent of the hospital bill: Pros and cons (1:45) 

To contain costs and claims, some insurers have launched what they call claims-based pricing: How claims-based pricing works in Shield plans (4:32)

Examples of how some insurance companies here have designed their riders with claims-based pricing (7:30)

Questions for insurers: With such long-running and consistently poor results, are the policies actually mis-priced? How material are the cost factors of commissions and management expenses in the profitability equation for Shield? (11:00)

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

Edited by: Adam Azlee

Follow WealthBT podcasts and rate us on:

Channel: http://bt.sg/btwealthwise

Apple Podcasts: http://bt.sg/wwAP

Spotify: http://bt.sg/wwSP

Website: http://bt.sg/wealthwise

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 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.