Podcast
BT Money Hacks
Hosted by The Business Times · EN
Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.
Produced by BT Podcasts, The Business Times, SPH Media.
15episodes
Episodes
Newest firstAll episodes
S1E267: To risk or not to risk your risk-free 4% CPF return?
2w ago00:21:31Tap to summarizeYour CPF Special Account (SA) has been your financial security blanket for decades — a rock-solid 4 per cent return, no questions asked. But Singapore's about to shake things up. By 2028, a new life-cycle portfolio scheme changes the game. Is it a long-overdue upgrade or a risk not worth taking? Howie Lim finds out from Christopher Tan, CEO of Providend and Genevieve Cua, wealth editor of The Business Times. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:17 Leave SA out of the new scheme 05:23 Willingness to take risk is the key 07:48 Where CPF Investment Scheme (CPFIS) fits in 14:03 Who it is really for --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Genevieve Cua, wealth editor, The Business Times & Christopher Tan, CEO, Providend Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E266: Beyond the algorithm: when AI says sell, who tells you no?
3w ago00:19:34Tap to summarizeAs AI takes the wheel in wealth management, will your 'perfect' financial plan survive a market crash? Algorithms crunch numbers, but only a human can manage emotions. Join Howie Lim and Javelin Wealth's Polka Mishra as they dissect the friction between AI's efficiency and the indispensable, empathetic role of the human advisor. Find out who’s truly in the driver's seat of your financial future. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:10 AI sits in the engine room, not driver's seat 06:51 The one thing AI can never replace 10:41 The regulatory minefield 14:43 The evolving role of the human adviser --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Polka Mishra, partner, Javelin Wealth Management Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E265: A slice of the pie: fractional investing deconstructed
4w ago00:13:43Tap to summarizeEver wondered if owning Mona Lisa's eyeball is smarter than buying a whole share? Forget high prices! Fractional investing lets you grab a slice of giants like Tesla and Amazon. Howie Lim gets the experts to demystify liquidity, costs, and security. Precision diversification without the huge upfront cost—find out how to build serious wealth, one fraction at a time. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:05 Myth vs. reality of fractional investing 03:39 The democratisation advantage 06:59 The power of bundling 10:09 Precision diversification --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Jeremy Foo, country manager, StashAway Singapore and Jack Prickett, chief commercial officer, Syfe Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E264: Nest egg obsolete: fishing skills now equal financial security
Apr 1200:16:52Tap to summarizeMoney moves are changing. Young investors chase crypto volatility while retirement nest eggs look obsolete. Perhaps financial security needs to be redefined - from saving a million to mastering the skill of making money. Howie Lim gets some financial survival tips from Zachary Young from Atlantis Labs. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:00 The financial reality for young investors 02:44 The most dangerous flawed assumption 07:45 The "winning is upsetting" paradox 11:33 Nest egg obsolete! Financial security redefined 14:24 The 1-hour-a-week rule --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Zachary Young, founder of Atlantis Labs and CEO of CryptoKnight Academy Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E263: Beyond the index: how active ETFs offer adaptability in volatile markets
Apr 500:16:52Tap to summarizeIs passive investing a Trojan horse? Index funds, once the safest bet, now harbour extreme concentration risk, leaving investors vulnerable in volatile markets. Discover why active ETFs are the essential upgrade. Unlearn the "comfort" of index tracking and gain the adaptability to chase alpha. Howie Lim explores the future of ETFs with the experts. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:37 Passive investing's concentration risk 03:52 comparative advantages of active ETF strategies 07:11 Paying for adaptability, not just performance 08:30 Unlearning the false comfort of index tracking 11:50 Pitfalls of active strategies --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Charu Chanana, chief investment strategist, Saxo Bank and Darrin Ng, assistant manager, dealing, global markets desk, Phillip Securities Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E262: Navigate job market caution; secure higher salary bumps
Mar 2900:22:00Tap to summarizeFeeling the job switch itch? Don't resign yet! The market is cautious, but salary bumps of up to 15 per cent are real. Hear legal experts on contract risks, from clawbacks to non-compete clauses. Howie Lim gets the fine art of negotiation—what to ask for, and when to start—to protect your career and maximise your next move. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:55 The state of play - job hugging 03:13 Job hopping: red flag or pay bump strategy? 04:49 Termination terms, the 'prenup for work' 10:28 The enforceability of the non-compete 19:28 What to do when the job scope creeps after you've joined --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Amarjit Kaur, partner, Withers Khattarwong; and Anurag Garg, country lead, Michael Page Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E261: Familiarity: portfolio's silent risk, hidden concentration builds
Mar 2200:15:45Tap to summarizeIs your portfolio trapped by comfort? Familiarity masks hidden risks, turning winners into dangerous concentrations. Discover the subtle signs of shared risk drivers—beyond sector labels—and learn measured, panic-free strategies to trim concentrated positions. Stop chasing the herd. Howie Lim gets true diversification tools from the experts. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:06 Subtle indicators revealing correlations 04:50 Temporary rotation or fundamental shift? 08:23 Common, yet often overlooked, behavioural biases 11:54 How to reduce concentration safely --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Daphne Tan, director of business development, CMC Markets Singapore and Ritesh Ganeriwal, head of investment advisory, Syfe Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E260: Tech alpha: why adoption and R&D matter more than P/E
Mar 1500:21:42Tap to summarizeTechnology alpha: myth or opportunity? Can tech fortunes be found in adoption and R&D? Apparently, author Igor Pejic thinks so. Howie Lim gets him to decode Big Tech risk, spot the real game-changers from the hype, and navigate the volatile waves of AI, geopolitics, and regulation. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:22 Technology alpha and outsized tech-driven returns 05:53 Non-financial markers of good investments 08:16 Geopolitical and regulatory pressure 10:48 Why 'Tier 2' enabler tech 18:06 Anticipating the 'convergence' of tech --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Igor Pejic, author of Tech Money Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E259: Policy to portfolio?
Mar 800:15:39Tap to summarizeSingapore’s economic growth forecast is tougher. How do national priorities—from AI to advanced manufacturing—actually translate into winning investment strategies for you? Howie Lim gets advice from experts Daryl Liew from PhillipCapital and Cheng Chye Hsern from Providend on balancing policy-driven potential with global diversification. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:05 Key investment themes for retail investors 04:43 Why listed options are limited 08:11 What GDP growth entails 12:37 Risks of policy-driven investment --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Daryl Liew, chief investment officer and head of investment solutions, PhillipCapital; and Cheng Chye Hsern, chief investment officer, Providend Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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S1E258: Passive paycheck: Structuring your SME for predictable dividends
Mar 100:19:57Tap to summarizeThe SME dream is built on hustle, but what if your retirement plan hinges on a highly speculative sale? Stop gambling on perfect timing. Howie Lim speaks to Grace Tay of finexis to uncover the true surplus after "oxygen" and "risk," dissecting the firewall between business and personal wealth. Learn how to structure your enterprise for a passive paycheck—because succession isn't selling, it's surviving gracefully. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:34 The true surplus: free cash flow after 'oxygen,' risk, and growth budgets 06:12 Wealth preservation vs. high returns: sacrificing liquidity for stability 11:09 Succession is not a sale 15:22 The price of pride: enforcing a hard cap on personal injections --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Grace Tay, associate director, finexis advisory Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks 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 Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.
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