Japan’s stock market has made a big comeback this year. Could the country finally be leaving the lost decades behind? Lee Kim Siang speaks to Naomi Fink, global strategist at Nikko Asset Management, to break it all down. Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:51 The driving forces behind Japan's economic rally 03:39 Is Japan finally overcoming deflation? 04:57 The impact of Abenomics on corporate governance 10:55 How yen weakness impacts investors 13:16 What to watch in the upcoming earnings season --- Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes. --- Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Naomi Fink, global strategist, Nikko Asset Management 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 Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  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 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.

Who will make decisions about your personal welfare or finances if you lose mental capacity? On this episode, host Lee Kim Siang talks to lawyer Stefanie Yuen Thio about the vital importance of setting up a Lasting Power of Attorney. Highlights of the conversation:  01:41 What is a Lasting Power of Attorney (LPA)? 02:34 Why LPA is important for everyone 07:16 How LPA fits into estate planning 10:19 LPA Disputes within the family --- Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes. --- Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Stefanie Yuen Thio, joint managing partner, TSMP Law Corporation 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 Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  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 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.

Bitcoin is having a major comeback this year. Not only have prices more than doubled, there are now funds tracking the cryptocurrency in the US stock exchanges. But some are worried this could be the beginning of another bubble. Are we looking at another Bitcoin bubble, or is the cryptocurrency here to stay? Lee Kim Siang sits down with Coinhako’s Kelvin See for insights.  Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:37 Bitcoin’s recent surge 03:51 What are Bitcoin ETFs? 07:02 What is Bitcoin halving? 10:16 Pros and cons of investing in bitcoin 13:59 Is it a good time to invest in bitcoin? --- Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. We’ll look into it for future episodes. --- Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Kelvin See, head of trading, Coinhako 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 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.

Watches are one of the most popular buys for wealthy Singaporeans. If you’ve seen one up close, you can see why they’re such beloved works of art. But can they pull their weight as investments? BT’s Lee Kim Siang sits down with Nick Lim, director of second-hand dealer Chuan Watch to get to the bottom of this.  Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:37 Pros and cons of watches as investment 02:58 How to evaluate a watch 05:59 Factors that influence the price of a watch 06:35 The Covid luxury watch boom and bust Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Nick Lim, director, Chuan Watch 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.

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.

With stigma still surrounding personal loans, is it ever a good idea to take out a loan? Did you know just applying for a loan will hurt your credit score and how can you tell if a loan offer is legitimate? Howie Lim gets insights from Bryan Chan of Providend and Nima Karimi from Lendela.  Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:52 Is taking a loan ever financially wise? 03:10 Challenges getting a loan 05:30 Steering clear of debt traps 09:22 Legitimate loan offers vs. scams and predatory lenders 10:24 Safeguarding your credit score Written and hosted by: Howie Lim (howielim@sph.com.sg) With Bryan Chan, client advisor, Providend and Nima Karimi, CEO of Lendela 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, 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.

Are whiskey investments worth looking into in volatile times? Are they a lucrative alternative investment? What’s the difference between bottle and cask/barrel investing? Howie Lim gets insights from Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  02:25 Inflection point in whiskey investing 04:27 Cask/barrel vs. bottle investing 08:10 Should whiskey drinkers invest? 11:19 Is whiskey worth investing in? Written and hosted by: Howie Lim (howielim@sph.com.sg) With Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund. 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, 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.

Is investing during a recession a good idea? Can it be rewarding? How do we fight natural instincts to become more conservative because the best investments may not be what we expect? Howie Lim gets insights from Francis Tan, investment strategist at UOB Private Bank’s chief investment office. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation: 01:02 Market developments to watch 03:36 What approach to take in uncertainty 05:10 The balance between risk and returns 06:58 Assets and products to consider 08:38 Passive or active investing? 11:10 Discretionary investing 13:33 Markets are always uncertain, what to do?  More about: UOB’s Risk-First Approach https://str.sg/iwaU UOB SimpleInvest https://str.sg/iwaw Rethink Your Wealth, UOB’s personal finance series https://str.sg/iwai Written and hosted by: Howie Lim (howielim@sph.com.sg) With Francis Tan, investment strategist at UOB Private Bank’s chief investment office. 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, 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.

Financial stability, financial independence, financial abundance, financial freedom! The terms just get more complicated or is it just semantics? Does one mean the other and how can we get there? Howie Lim gets insights from Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research at Singlife. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:20 Differences and similarities between financial freedom and abundance 05:01 Concerning findings from the Financial Freedom index 12:07 Opportunities and bright sparks during market volatility 15:12 Protect your wealth! Written and hosted by: Howie Lim (howielim@sph.com.sg) With Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research, product, proposition at Singlife. 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, 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.

With inflation seemingly persistent and global economic conditions looking like they could worsen, how do we steel ourselves to stay invested? Stay invested we must because who wants to be a loser? Howie Lim gets insights from Samuel Rhee, Chairman and CIO at Endowus. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:13 In or out in this current climate? 03:38 In, even when markets dive 08:11 Beating inflation is possible 12:07 Inflation and recession beating strategies Written and hosted by: Howie Lim (howielim@sph.com.sg) With Samuel Rhee, Chairman and CIO at Endowus 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, 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.

Salary independence, active investing, FIRE. How can we be sure any of them work to get us to financial independence? Howie Lim gets the skinny from Sabrina Gan, Fidelity International’s Head of Southeast Asia and Country Head of Singapore. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:48 Passive vs. active investing debate moot? 03:02 Is active investing required to retire well? 05:06 How active investing better enables financial security 08:03 Goals determine mix of assets and strategies 10:37 More wealth building hacks  Written and hosted by: Howie Lim (howielim@sph.com.sg) With Sabrina Gan, Fidelity International’s head of Southeast Asia and country head of Singapore 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, 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.