BT Money Hacks

Episoade

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  S1E288: The psychology of financial clutter: why we accumulate bad investments 27.09.2026 14min

  Your portfolio might be messier than you think. Most of us don't build investment strategies — we collect financial products the way we hoard old cables and orphaned keys in a kitchen drawer. In this episode of Money Hacks from The Business Times, Howie Lim talks with Bryan Low — wealth management head at KGI Singapore and NTU professor — about why we keep buying without a plan, how loss aversion traps us in bad positions, and the surprising upside of cutting your portfolio down to ten lines. If your financial life needs a clean-out, this conversation is your Marie Kondo moment. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:08 The accumulation trap — why buying more isn't a strategy 03:37 Auditing the financial junk drawer 07:11 The cost of product-first thinking 09:00 Decluttering rules 11:05 Decluttering as wealth creation --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Bryan Low, head of International Wealth Management, KGI 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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  S1E287: Ask vs answer: the human edge AI can't replicate 20.09.2026 17min

  Would you let AI manage your money the way it manages your inbox? Turns out, most of us won't — 76 per cent use AI to crunch the numbers, but only 8 per cent trust it to make the final call. Correspondent Howie Lim sits down with Ishan Sarkar, head of wealth and premier solutions at HSBC Singapore, to explore the "conviction gap" — the moment data has to become a decision. From Gen Z investors to Black Swan events, discover why the smartest financial move might still be a human one. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:24 Closing the AI conviction gap  03:03 Is high-touch advice becoming a luxury good 07:39 Where AI value drops and human judgment spikes 12:45 Can AI handle a market crash better than a human 14:54 Will humans ever become replaceable --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Ishan Sarkar, head of wealth and premier solutions, HSBC 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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  S1E286: Strategy over sentiment: why the old property playbook no longer works 13.09.2026 19min

  Is your dream home a financial trap? Singapore's cooling measures and shifting interest rates have upended the old playbook—Build-to-Orders (BTOs), resale flats, and executive condos (ECs) no longer play by the rules you think you know. Howie Lim and Eugene Lim, president of the Singapore Estate Agents Association, unearths the hidden costs, minimum occupation period (MOP) traps, and stress-tests your finances so your biggest purchase builds wealth, not regret. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:13 The hidden time cost of a BTO 03:13 Turning private property into liquid wealth 05:54 ECs - best of both worlds, at a cost 10:03 4 per cent stress test every buyer should run 12:51 The Ministry of National Development (MND)'s big policy shakeup, explained --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Eugene Lim, key executive officer, ERA and president of the Singapore Estate Agents Association 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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  S1E285: The $70,000 question: how to master your family's new financial tailwind 06.09.2026 13min

  Singapore just pledged nearly S$70,000 per child over 16 years — but is that windfall building your family's future, or quietly funding lifestyle creep? Correspondent Howie Lim sits down with SingSaver's Ayush Goyal to dissect how to split, invest, and protect this new child credit stream — from emergency funds to retirement trade-offs — so parents don't waste a single dollar. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:07 Dissecting the S$70,000 package into 2 buckets 05:19 Rethinking your emergency fund 07:28 Kids' future vs. your retirement 10:23 The danger of policy dependency --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Ayush Goyal, Singapore country manager and managing director, SingSaver 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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  S1E284: The raise paradox: why earning more never feels like enough 30.08.2026 24min

  You just got a raise. So why does your bank account still feel broke? It’s the lifestyle creep — the sneaky force turning your bigger paycheck into the same old savings. From $8 lattes to subscription traps to the psychology behind "keeping up with the Tans," find out why more income rarely equals more wealth, and what to actually do about it. Warning: may cause spontaneous budgeting. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:07 The pay-raise paradox 01:11 What lifestyle creep really means, psychologically 04:12 Three forces silently inflating your expenses 07:12 The one question to ask before spending your next paycheck 09:34 The Warren Buffett rule: why staying humble pays off 22:27 The three-week rule that curbs impulse spending --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Michelle Mah, founder and psychotherapist, The Curious Bonsai Therapy & Coaching and Wildon Goh, head of Southeast Asia and country head of Singapore. Fidelity International Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim, Nicole Teo & 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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  S1E283: Singapore stocks aren't boring anymore — here's the proof 23.08.2026 15min

  Your parents' "boring" Singapore dividend stocks only portfolio just had an upgrade nobody told you about. While everyone's obsessing over US tech, Singapore's equity market has quietly doubled its research coverage, attracted real institutional capital, and uncovered small-cap opportunities most investors haven't even heard of. Correspondent Howie Lim sits down with East Spring's Daniel Lau to figure out why "safe" and "boring" are no longer the same thing — and why ignoring this market might be the riskiest move in your portfolio. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:00 Singapore's liquidity game-changer 04:37 The hunt for hidden small-cap opportunities 07:08 The optimal mix: 50% Singapore, 50% S&P 09:39 Why resilience recovers faster than high-octane bets 12:44 Global allocators are finally paying attention --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Daniel Lau, portfolio manager, Eastspring Investments 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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  S1E282: Behind the institutional veil: what your bank doesn't want you to know about asset allocation 16.08.2026 16min

  If you think your bank’s “diversified” portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We’re dissecting the "product-first" myths, exposing why your “tick-box” diversification might be failing you, and revealing why your obsession with benchmarks is costing you real outcomes. Stop investing like a hedge fund—start investing for your life. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:22 Product-first vs. client-first: the industry's reversed process 05:05 Real diversification vs. "spray and pray" 09:54 Complexity vs. sophistication: finding the simplest real solution 13:20 Benchmarks lie: why your goals matter more than the index  --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With David Ng, founder of Arki Finance 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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  S1E281: The mass affluent trap: too rich for retail, too small for private banking 09.08.2026 15min

  Your cash isn't safe just because it's sitting still — it's quietly losing to inflation while you wait for "the right time" to invest. Howie Lim gets StashAway's chief investment officer (CIO) Stephanie Leung to explain why the mass affluent get the worst of both worlds, why gold just earned a permanent seat in your portfolio, and why timing the market is a fool's errand professionals gave up on long ago. Stop parking your future. Start compounding it. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:03 The underserved mass affluent 03:24 Real world cost of idle cash 07:33 Rethinking the 60/40 portfolio 11:31 Singapore’s cash obsession --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Stephanie Leung, chief investment officer, StashAway 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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  S1E280: Market noise vs real signal: are you investing or just guessing? 02.08.2026 16min

  We obsess over what to buy, but when it’s time to sell—or hold—we often freeze. Market volatility shouldn't trigger a panic-induced sell-off, yet emotion frequently overrides strategy. In this episode of Money Hacks, Howie Lim, Ritesh Ganeriwal, and Kenneth Chan dissect the crucial "portfolio check-in." Learn how to filter signal from noise, why "doing nothing" is a strategic superpower, and exactly when your original plan needs a tune-up. Stop guessing and start managing. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:00 Mastering the when as well as what 05:33 How to know when our portfolio needs a tune up 09:42 When doing nothing is ok 12:44 The sign your original plan needs an overhaul --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Ritesh Ganeriwal, head of investment advisory at Syfe and Kenneth Chan, associate financial planner at PhillipCapital 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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  S1E279: Artificial sycophant or financial genius? When to trust AI 26.07.2026 15min

  Speed is everything in investing—but is it actually the enemy of wealth? We’re conditioned to trust human advisors, but what if your portfolio manager, tax expert, and risk officer was a cold, calculating AI? Howie Lim speaks with 8FIGURES founder Andrew Izyumov to ask: can AI truly cure emotional trading habits, or is it just an "artificial sycophant"? Should we let an algorithm manage your future? Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:04 The trust gap 04:01 The incentive trap 08:43 When AI agents disagree 11:28 AI calms investors? --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Andrew Izyumov, founder of 8FIGURES 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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  S1E278: Loss of income, not identity: navigating the psychology of retrenchment 19.07.2026 21min

  Retrenchment isn't just a career setback; it's a financial and psychological earthquake. Howie Lim speaks with clinical psychologist Dr Annabelle Chow about navigating the initial shock. What is the single biggest financial mistake most make in the first 48 hours and how to stop panic from driving your decisions? From mastering the "3-bucket" survival strategy to separating your identity from your paycheck, and moving from fear to clarity. Don’t let uncertainty manage your future. Reclaim your financial agency—because while jobs go, your security shouldn't. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:06 The #1 financial mistake after job loss 05:01 Untouchable when money's tight 07:50 Separating identity from paycheck 11:19 Pivoting careers without panic-driven decisions 13:32 The 3-bucket approach to surviving a layoff 19:30 One small financial win to regain control --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Dr Annabelle Chow, clinical psychologist, Annabelle Psychology Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo 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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  S1E277: From windfall to wealth: making fortune last 12.07.2026 20min

  Sudden windfall? Congratulations — now don't screw it up. Let’s tackle the messy reality of instant wealth: the 30-day rule before making any big moves, why "generous relative energy" can drain your fortune fast, and the emotional identity crisis nobody warns you about. RBC's Gautam Chadda breaks down guilt-free spending, family giving frameworks, and staying rich long after the confetti settles. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:49 Doing nothing: the smartest move 05:15 Net worth vs. self-worth 09:55 The boring paperwork that protects 13:19 Guilt-free spending: budget for fun 18:27 Money will test a marriage --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Gautam Chadda, executive director, RBC Wealth Management Asia Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo 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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  S1E276: Stop 'revenge investing': why panic selling is your portfolio's worst enemy 05.07.2026 16min

  Markets crash. Portfolios bleed red. And your gut screams "sell everything." But what if the scariest moment in investing is also the most dangerous time to trust your instincts? Howie Lim sits down with Grace Tay from finexis advisory to find out why panic selling turns temporary losses permanent, why "get-evenitis" wrecks recoveries, and how one simple framework — reframe, reset, reenter — can turn your worst market moment into your smartest move yet. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:57 Sharp crashes vs. slow grinds 04:04 How often do markets actually crash? 07:34 ‘Get-evenitis’ 10:31 The framework for beating fear --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) 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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  S1E275: The six-month breaking point: are you actually prepared for the unforeseen? 28.06.2026 19min

  Is your financial plan truly resilient, or are you one emergency away from disaster? 61% of households struggle to cope beyond six months after a loss of income. Howie Lim sits down with Sun Life Asia’s David Broom to dismantle the myth that resilience equals a high salary. Is Singapore’s “safe haven” status creating a false sense of security? And how to stop trading your long-term future for short-term survival. Discover the habits that separate the resilient from those in survival mode. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:12 Why 6 months may not be enough anymore 08:31 The most dangerous thing to do 11:11 Singapore’s false sense of security? 13:51 When, where and how to start --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With David Broom, chief client and distribution officer, Sun Life Asia 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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  S1E274: Stop waiting for the 'right time': why micro-investing is the new wealth superpower 21.06.2026 15min

  You think investing is complicated? That's exactly the problem. What if you could start with $10 with no need to wait for the "right time"? Many entities are quietly embedding finance into everything you already do, and the best investment app feature isn't a chart — it's a well-placed "Are you sure?" Whether you're a first-timer or a seasoned portfolio juggler, this one will change how you think about where your idle money is sleeping. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:36 Analysis paralysis: the real reason people don't invest 04:36 No lock-ins, no surprises: the transparency play 08:45 Are digital wealth platforms for the savvy investor? 13:02 Intentional friction in a fast-finger world --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Jenn Ong, group head of retail at GXS Bank 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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  S1E273: Mid-year reality check: the "ETF and chill" era is over 14.06.2026 16min

  Your "ETF and chill" strategy just got a reality check. Halfway through 2026, the S&P 500 is no longer the only game in town — and the smartest investors are quietly restructuring. Chips, crypto, Singapore blue chips, UCITS ETFs — what's hype and what's genuinely worth owning? Oriano Lizza from CMC Markets and Ritesh Ganeriwal from Syfe cut through the noise. Less FOMO, more discipline. This is your mid-year portfolio wake-up call. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:11 Is it time to look beyond US stocks? 04:22 Hot sectors: smart bet or expensive FOMO? 07:57 What is driving the trading surge? 10:17 What a truly resilient portfolio looks like 13:19 Don’t make these mistakes in H2 --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Ritesh Ganeriwal, managing director and head of investment advisory at Syfe and Oriano Lizza, sales trader at CMC Markets 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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  S1E272: Credit score myths debunked: what banks really look for 07.06.2026 18min

  Your credit score impacts everything. Experts from Credit Bureau Singapore and MoneyHero Group bust the biggest myths, from "clean" profiles to unused cards. Are you managing your financial reputation correctly? Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:23 Top credit score myths 05:13 Why NOT having a credit score hurts 07:01 How to build credit without going into debt 09:20 How often should we pull our credit scores? 14:35 Review to reporting framework to note --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Wong Sok Quan, head of consumer services, Credit Bureau Singapore and Ayush Goyal, country manager Singapore, MoneyHero Group 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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  S1E271: Liquidity: the anxiety antidote 31.05.2026 15min

  Is your emergency fund ready for the real financial crisis: stacked, non-stop inflation? A budget is not enough. The rising cost of living demands a new kind of preparation. We dismantle the "inflation illusion" and reveal the critical difference between looking financially stable and being genuinely, liquidly prepared. Are there specific cash structures you need to survive volatility without panic? Howie Lim finds out from Walter de Oude, founder and CEO of Chocolate Finance. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:38 Building a cash buffer 06:31 How much cash to hold 11:14 Optimising returns safely 14:08 Breaking money inertia --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Walter de Oude, founder and CEO, Chocolate Finance 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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  S1E270: Yield without fear: Navigating credit markets in a high-rate era 24.05.2026 14min

  Are you missing out on serious returns? With a massive $12 trillion sitting in money markets, it's time to look at fixed income again. But success in this market depends on knowing which bonds to buy. Join Howie Lim, Erik Keller from Robeco and Kylie Soh of Fullerton Fund Management as they cut through the noise. They'll reveal where the true opportunities lie, demystify the risks of high-yield bonds, and share strategies for building a resilient portfolio in today's unpredictable interest rate environment. Don't let caution keep your money parked in cash. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:16 Attractive fixed income and the case for bonds 04:14 Not all bond strategies are equal 10:17 Not all high yield is risky 12:27 The overlooked edge --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Kylie Soh, client portfolio manager and managing director, Fullerton Fund Management; and Erik Keller, client portfolio manager, Robeco 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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  S1E269: The great yield shift: why banks are gaining altitude as Reits seek grounding 17.05.2026 19min

  The high-yield trade is fracturing. As higher-for-longer rates lift banks' fortunes, Reits face a triple threat: narrowing yield spreads, soaring debt costs, and depressed valuations. Is your income portfolio resilient? Howie Lim speaks to RHB experts to discuss this growing divergence, revealing the crucial metrics (beyond yield) and tactical moves you need now to navigate uncertainty and secure superior returns. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:02 Reits' triple threat: how rising rates hit 03:56 What higher for longer means for both 06:02 Banks as a proxy for economic growth 12:51 Divergence is cyclical 16:25 Defensive Reits and sub-sectors --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Vijay Natarajan, research analyst and Shekhar Jaiswal, head of equity research, RHB Bank 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.