BT Money Hacks

BT Money Hacks Ep 84: Making sense of the current market with BT's new podcast series 13:53 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This week's episode sees podcast editor Ernest Luis hosting The Business Times' digital editor Chris Lim and senior correspondent Ben Paul. They talk about BT's latest initiatives to help readers make better sense of their money, and make better sense of the market during this Covid-19 era. They discuss the following: More on The Business Times News Tablet Edition, where subscribers will get the Samsung Galaxy Tab S6 Lite (LTE) tablet with S Pen stylus included for S$39.90 a month over 30 months (1:35) Why a password-free experience resonates with BT's readers and why 10-inch tablets are the best way to "read print the new way" (3:20) BT's newly launched Mark To Market Podcast gets off to a good start (8:00) What companies and investors want to know about the market (8:35) What does the term Mark To Market actually mean? (11:30) Black Friday and Cyber Monday promotion for BT News Tablet edition: http://btsub.sg/moneyhacks Subscribe to BT Mark To Market Podcast for free here: http://bt.sg/btmark2mkt Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Subscribe to BT Money Hacks Podcast series for our new episodes fortnightly on Mondays and rate us on your favourite audio apps: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

BT Money Hacks Ep 83: Demystifying ESG and sustainable investing 12:31 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This week's episode looks at ESG (Environmental, Social, and Governance) investing: what is it and how do you get started? It is brought to you by UOB Asset Management (UOBAM). BT's digital editor Chris Lim hosts Victor Wong, senior director and head of ESG Investments at UOBAM, as he tells us more: ESG and sustainable investment is becoming the buzzword, but can investors really do well by doing good? Can ESG and sustainable investments really make you money? (2:10)  Why ESG investing is seen as "woke" and appeals to more socially-conscious millennials or Gen Z, especially those aged 25-40 (3:57) What is the scene in Asia like, including Singapore? Is there growth potential for this sector? (5:30) Three steps on how to find out more about developments in ESG and sustainable investing, and choose funds and fund managers (6:40) How UOBAM uses its proprietary news-gathering data and technology to enhance its ESG investment processes, and works with regional partners to cover the Asian scene properly (8:07) UOBAM launched Singapore's first sustainable bond fund with international asset manager Robeco earlier this year: Is this a mega-trend investors should consider? (9:40) More on UOBAM's ESG and sustainable investments: https://www.uobam.com.sg/sustainability/index.page Listen to Ep 82 (Evolving your investment portfolio for risk and liquidity): https://str.sg/Jj9t Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

BT Money Hacks Ep 82: Evolving your investment portfolio for risk and liquidity 9:38 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode is about how to evolve your investment portfolio as you move through life on your path to retirement. It is brought to you by UOB Asset Management (UOBAM). BT's digital editor Chris Lim hosts Dharmo Soejanto, head of the investment partnerships & solutions unit at UOBAM and chief investment strategist for UOBAM Invest, as he tells us more. Five steps to manually changing your portfolio to match changing risk appetites and liquidity needs (1:47) How UOBAM Invest can help you automatically and easily adjust portfolios to optimise risk exposure and liquidity throughout life with its feature called Glide-path (3:35)  How UOBAM Invest's Glide-path solution sets it apart from other robo-advisors in the market and helps investors adjust their portfolios throughout their life stages (4:35) How the regular rebalancing feature in UOBAM Invest's Glide-path solution is helpful during the ongoing Covid-19 crisis over time (5:44) Market indices tend to include winners over time and drop off "losing" companies or industries, and why it's important to stay invested and have a systematic robo advisor these days (6:38) More on UOBAM Invest Digital Adviser & its Glide-path solution: https://www.uobam.com.sg/uobaminvest/individual/index.html Listen to Ep 83 (Demystifying ESG and sustainable investing): https://str.sg/Jj9F Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcastsSee omnystudio.com/listener for privacy information.

BT Money Hacks Ep 81: How Gen Z youth can save and invest smartly earlier 12:14 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode looks at how and why Generation Z youth approach savings and investments. SingSaver conducted a survey over August and September this year, and found that when it comes to saving habits, Singaporean Gen Z youth (aged 18 - 23) are savvier than their millennial counterparts (aged 24 - 39). 85% of Gen Z respondents started saving before the age of 22, more than twice the number of millennials, at just 41%. 65% of Gen Zs stick to their budget “often” and “very often” as compared to 56% of millennials. Chris Lim hosts SingSaver’s interim country manager Prashant Aggarwal. They discuss the following points: 1. Three reasons why Gen Z youth are already saving for retirement and starting investment journeys earlier than older generations (1:55) 2. Why it is easier to start investing now in this age of robo advisers, Internet banking, app-based stock trading and easy access to global markets (3:35) 3. Which are the top five asset classes that Gen Z youth focus on? (6:15) 4. Understand the key principle: Higher return, higher risk, higher effort and inversely, lower return, lower risk, and lower effort (7:00) 5. Steps on how Gen Z youth can start small with $50 targets and gradually generate a passive income of $1,000 a month (8:00) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover BT Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 80: Controlling your fund fees is key to investment success 10:32 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles the importance of understanding and controlling your investment costs or fees, so you can let the power of compounding interest work for you. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option. They discuss the following points: 1. Are Singapore's investment fees higher than average sales and fund level fees globally? (1:08) 2. What is the little-known "trailer" fee in this industry? How that is practised here and why the investor does not see this (1:50) 3. The trailer fee raises the question: Are you working in the best interests of the client? (3:02) 4. Is there a way around this? Should your fund managers rebate that trailer fee to you here when they receive it? (4:48) 5. Why just a 1% fee difference over many years can result in compounding costs eating into your returns (7:20) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 79: Differences and misconceptions over ETFs and unit trusts 9:22 mins Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles the importance of knowing the pros and cons of ETFs and unit trusts. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option. They discuss the following points: 1. What are ETFs and unit trusts and are there big differences between them? (0:45) 2. Are unit trusts and mutual funds the same product? (2:32) 3. Why are ETFs essentially a wrapper for products like funds, Reits or bonds, so they can be traded on exchanges? How does that impact the net asset value? (3:15) 4. Unit trusts are more convenient for investors who do not need intra-day liquidity (4:55) 5. What are the differences between ETFs on SGX as compared with the US or the UK? (5:40) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 78: How to manage your wealth and plan your legacy 12:01 mins Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles the importance of managing your wealth and planning your legacy. It is brought to you by Opus by Prudential, which is Prudential's unique approach to wealth management and legacy planning for high net worth individuals. Chris Lim hosts Angeline Alexander, head of high net worth and affluent segments at Prudential Singapore, on the following points: What exactly is wealth management, wealth preservation and wealth transfer? (1:25) Three tips for high net worth individuals to get started (3:35) What is legacy planning? The new trend of high net worth clients using philanthropic pursuits to give back to the community (6:35) Depending on complexity and number of heirs, Opus by Prudential brings in specialist expert panels on trusts, tax and business advisory (7:20)  Plan, insure, give back: A 3-step guide to planning your legacy (9:15) More at Opus by Prudential - https://www.prudential.com.sg/opus#!about_us Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 77: Why sticking to an asset allocation framework is key in volatile times 12:57 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles good starter tips and discipline for asset classes and portfolio construction during this Covid-19 era. Chris Lim hosts Asheesh Chanda, founder and chief executive of Kristal.AI, that specialises in digital-first private wealth. 1. The four pillars for asset classes and allocation during these volatile pandemic times (2:00) 2. Building a discipline of following an asset allocation framework is key to success during periods of uncertainty. What are the general rules? (3:19) 3. You can improvise after following rules of investment, but not deviate and fall into the trap of "emotional investing" (5:20)  4. Passive and active investment approaches: What should beginner investors know and why they should avoid active approaches? (9:00) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 76: Understand what products and risk profile suit you as an investor 12:57 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode tackles portfolio diversification and what products fit different profiles. Chris Lim hosts Dhruv Arora, founder and chief executive of robo investment advisory Syfe, who explains some basic starter tips: 1. How to build a diversified e-portfolio and manage risks for products with an easy click of a cursor (1:15) 2. Why the majority of people here prefer lower-risk portfolios, useful in this Covid-19 pandemic (4:12) 3. Reits: Which kind of investor do they suit? (6:10) 4. How do you get into low-cost property investment with $50 for example, in your 20s (9:45) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks podcasts fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 75: Insurance - term vs whole life, what makes sense amid Covid-19? 10:53 min Synopsis: Updated fortnightly on Mondays, The Business Times breaks down useful financial tips. This episode is aimed at how investors can manage risk and insurance during the Covid-19 pandemic. Host Chris Lim speaks remotely with bionic financial adviser MoneyOwl's chief executive and chief investment officer Chuin Ting Weber. She explains the following points: 1. Why the role of insurance is protection (2:40) 2. Why our most important financial asset is our income (3:45) 3. What does it mean to be comprehensively insured? (5:45) 4. Why term insurance is more affordable and preferable till your planned retirement age and you no longer have dependents (7:00) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Follow Money Hacks Podcast series and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.