BT Money Hacks

You know how it goes: It’s been a long, stressful week. On a whim, you decide to treat yourself to a massage. Your partner gets salty. A fight ensues. How do you avoid this? Lee Kim Siang hears from one couple who’s figured it out. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:22 Planning for big ticket purchases 04:09 Balance financial, emotional and physical responsibilities 07:24 Financial support for your in-laws 08:58 Budgeting as a couple 13:37 Treat your partner like a boss Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Angela Teng, editorial director of The Simple Sum; and her husband Isaac Tan Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

Layoffs seem to be happening left and right. What rights do Singaporean employees have in the face of retrenchment? How can you dispute your severance package? Lee Kim Siang finds out. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:13 Singapore’s employment law provides limited protections for retrenchment 07:51 How Lazada fumbled their latest round of layoffs 12:01 How to negotiate your exit package 15:45 How to dispute your retrenchment Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Amarjit Kaur, head of employment law, Withers KhattarWong; and Wong Siqi, content creator Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

It’s that time of the year again, where time-honoured tradition lines our red packets (and pockets) with cash. What’s the best way to make the most of our ang-bao money? Howie Lim finds out.  Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  03:08 Importance of planning your finances 04:16 Saving is not sufficient 05:37 Understanding your needs versus wants 06:49 Step-by-Step guide to using your ang-bao money 07:46 Saving, spending and investing have to coexist 09:41 Where to start investing for a beginner Hosted by: Howie Lim (howielim@sph.com.sg) With Mey Wong, head of client experience at StashAway Edited by: Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

These are trying times and all eyes are on Budget 2024, especially since rumours abound that it could be an ‘election Budget’. Howie Lim finds out what various industry experts think. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:26 New tax incentives for corporates 05:31 To boost sustainability efforts 06:16 GE and elevated cost of living 08:12 Have Budgets done enough already? 10:31 What if wish lists don’t materialise? Written and hosted by: Howie Lim (howielim@sph.com.sg) With Tan Wen Wei, analyst, Asia at EIU; Gene Kwee, partner, head of tax APAC at Mazars; and Yong Jiahao, partner, IGH & manufacturing, tax, KPMG in Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

A trend in 2024 could be institutional players showing a keen interest in issuing their own stablecoins. And it’s a move that has been welcomed by the digital asset sector. Howie Lim gets insights from Gerald Goh, co-founder and CEO Singapore of Sygnum Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:06 What exactly is a stablecoin 03:20 Stablecoins’ role in the larger ecosystem 06:37 Stablecoin market expanding 09:19 The growing need for regulation 12:43 Should investors look into stablecoins? Written and hosted by: Howie Lim (howielim@sph.com.sg) With Gerald Goh, co-founder and CEO Singapore of Sygnum Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

How will the markets be in 2024 and where should we park our money in order for the markets to treat us well? Howie Lim gets insights from Hugh Chung from Endowus, Phil Waters from OANDA and Daniel Peris from Federated Hermes. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:03 Implications of the Fed's recent pause in rate hikes 07:12 How retail investors should position themselves 09:32 Outlook for US markets 11:11 Outlook for global markets 13:52 Sectors to look out for Written, hosted and produced by: Howie Lim (howielim@sph.com.sg) With Hugh Chung, chief investment advisory officer from Endowus, Phil Waters, CEO, APAC & Emerging Markets from OANDA and Daniel Peris, senior portfolio manager at Federated Hermes.  Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

The liquidity of gold is arguably on par with some of the major global currency debt and equity markets, such as the S&P 500. Does this mean in 2024 we should put our money in gold jewellery or gold ETFs? Howie Lim gets advice from Robin Tsui of State Street Global Advisors SPDR. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:56 Gold’s performance in 2023 02:16 Gold continues testing record highs 06:15 The ultimate diversifier 07:44 High liquidity not compromised 10:48 Outlook for 2024 Written and hosted by: Howie Lim (howielim@sph.com.sg) With Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

Is there still a place in your portfolio for real estate and property investments? Can real estate investing still help you build wealth in 20204? Howie Lim gets insights from Paul Tostevin and Alan Cheong from Savills, Lee Nai JIa from PropertyGuru Group and Benny Ong from I Quadrant.  Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:12 Outlook for property investment in 2024 05:00 Real estate market presents wealth building opportunities 09:56 Property still has a place in portfolio 13:15 Where the opportunities are Written and hosted by: Howie Lim (howielim@sph.com.sg) With Lee Nai Jia, head of real estate intelligence, data and software solutions, PropertyGuru Group, Paul Tostevin, head of Savills world research, Alan Cheong, head of research Singapore at Savills and Benny Ong, co-founder, I Quadrant.  Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Howie Lim A podcast BT Podcasts, The Business Times, SPH Media — Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

Why let fear stop you from retiring early, from being financially free or salary independent? Fear of investing is something you can overcome.  Howie Lim gets insights from Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:22 Fear of losing money 06:12 Fear of picking stocks 08:59 Fear of trust 13:00 Fear of not having enough to invest 15:48 Fear of not enough time Written and hosted by: Howie Lim (howielim@sph.com.sg) With Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital. Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.

The world economy is expected to grow by 3.0% in 2023, before slowing down to 2.7% in 2024. But that doesn’t mean your investments should slow too. Howie Lim finds out how dividend investing could help from David Kuo, The Smart Investor, Josh Duitz, abrdn and Howard Silverblatt, S&P Dow Jones Indices. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:20 Dividend investing’s continued growth 06:57 Why these companies can increase dividends 10:07 How to choose the right company 14:14 Dividends will continue to make records Written and hosted by: Howie Lim (howielim@sph.com.sg) With David Kuo, co-founder, The Smart Investor, Josh Duitz, head of global income, abrdn and Howard Silverblatt, senior index analyst, S&P Dow Jones Indices Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us at: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg 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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt 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/btlensonSee omnystudio.com/listener for privacy information.