BT Money Hacks

The Business Times
  • 5.0 (1)
  • Investing
  • Updated Semimonthly

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.

  1. Credit score myths debunked: what banks really look for

    2d ago

    Credit score myths debunked: what banks really look for

    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 btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) 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/btlenson See omnystudio.com/listener for privacy information.

    19 min
  2. Liquidity: the anxiety antidote

    May 31

    Liquidity: the anxiety antidote

    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 btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) 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/btlenson See omnystudio.com/listener for privacy information.

    16 min
  3. Yield without fear: Navigating credit markets in a high-rate era

    May 24

    Yield without fear: Navigating credit markets in a high-rate era

    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 btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) 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/btlenson See omnystudio.com/listener for privacy information.

    15 min
  4. The great yield shift: why banks are gaining altitude as Reits seek grounding

    May 17

    The great yield shift: why banks are gaining altitude as Reits seek grounding

    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 btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) 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/btlenson See omnystudio.com/listener for privacy information.

    19 min
  5. Risk reset: differentiating a flash sale from a fundamental flaw

    May 10

    Risk reset: differentiating a flash sale from a fundamental flaw

    Is "buying the dip" dead? The market is volatile, interest rates are up, and the old rules are breaking. Don't be fooled by a flash sale that's actually a fundamental flaw. What are systematic, disciplined strategies for spotting a true bargain—or a bottomless pit? Howie Lim finds out from the experts. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:09 Temporary dip or fundamental reset 04:16 Higher-rate, higher-volatility 09:14 Signals to look out for 13:42 High concentration amplifies risk --- 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 Hugh Chung, chief investment officer, Endowus; and Yee Shen Hao, portfolio manager, 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/btlenson See omnystudio.com/listener for privacy information.

    17 min
  6. To risk or not to risk your risk-free 4% CPF return?

    May 3

    To risk or not to risk your risk-free 4% CPF return?

    Your 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/btlenson See omnystudio.com/listener for privacy information.

    22 min
  7. Beyond the algorithm: when AI says sell, who tells you no?

    Apr 26

    Beyond the algorithm: when AI says sell, who tells you no?

    As 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/btlenson See omnystudio.com/listener for privacy information.

    20 min
  8. A slice of the pie: fractional investing deconstructed

    Apr 19

    A slice of the pie: fractional investing deconstructed

    Ever 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/btlenson See omnystudio.com/listener for privacy information.

    14 min
See All (272)

Trailer

About

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.

Information

  • Creator
    The Business Times
  • Years Active
    2018 - 2026
  • Episodes
    272
  • Rating
    Clean
  • Copyright
    © 2026 The Business Times
  • Show Website
    BT Money Hacks

You Might Also Like