The DollarsAndSense Podcast

DollarsAndSense

The DollarsAndSense podcast brings you deeper conversation within the DollarsAndSense team. Join Dinesh Dayani and Timothy Ho for a weekly discussion on everything that matters to our wallets! If you enjoy reading our articles on DollarsAndSense.sg, we do hope you will enjoy listening to us on this podcast series as well.

  1. Apr 1

    Why $1M Might NOT Be Enough for Retirement in Singapore | DollarsAndSense Markets S2 E1

    Is $1 million enough to retire comfortably in Singapore? For years, hitting the million-dollar mark has been seen as the ultimate financial milestone. But in today’s world, rising costs, longer lifespans, and inflation, is it really enough? In this episode, we break down how long $1 million can actually last, the impact of inflation and healthcare costs, why your lifestyle matters more than the number itself, the investment strategies that can help stretch your retirement savings, and the common mistakes people make when building wealth. We’re joined by Yu Sheng from Maybank Securities, who shares practical insights on investing, retirement planning, and how to grow (and protect) your wealth over time. This video is brought to you in collaboration with Maybank Securities. Disclaimer: For general information only and do not constitute an inducement, recommendation, offer, or solicitation to buy or sell any of the securities mentioned. Past performance is not indicative of future results. This interview does not take into account your specific investment objectives, financial situation or particular needs. All investments carry risks, and may not be suitable for all investors. Please seek independent advice to ensure you fully understand these risks and that an investment product is suitable for you before investing. Maybank Securities Pte. Ltd is not liable for any loss or damage, including without limitation loss of profit, which may arise directly or indirectly from this interview. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

    25 min
  2. Mar 18

    Are Singaporeans Basically Living in JB Now? | DollarsAndSense Podcast Ep49

    Most Singaporeans go to Johor Bahru thinking they’ll save money — on petrol, groceries, meals or a quick massage. But after factoring in the travel time, queues at the checkpoint and everything else that happens along the way… is it still worth it? In this episode of the DollarsAndSense Podcast, we speak to a frequent JB traveller who makes the trip almost every week. From how she plans her trips to avoid the worst jams, to where she actually goes (beyond the usual City Square and KSL), we unpack what JB trips really look like today and whether the savings are as straightforward as they seem. • How much you can realistically save (hint: not always as much as you think) • The best areas beyond City Square & KSL (Eco Botanic, Mount Austin, Sunway) • Where groceries are cheapest (NSK vs Jaya Grocer) • Why nails, healthcare & dentist visits are big savings • How to avoid checkpoint jams (apps + timing tips) • Hidden costs Singaporeans often overlook So… are we really saving money, or just finding excuses to go JB more often? Special thanks to YouTrip for sponsoring this episode!  If you are travelling to Malaysia this school holiday, enjoy S$18 cashback when you spend a min. of RM1,500 from now till 06 Apr! T&Cs apply.  Not on YouTrip yet? Download the YouTrip app and sign up with promo code 'DNS5' to receive S$5 welcome credit! Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

    20 min
  3. Feb 28

    Beyond Singapore: Earning ASEAN Dividends with One ETF | DollarsAndSense Podcast Ep48

    For many Singaporean investors, dividend investing often starts and ends with local blue-chip stocks. Banks, REITs, telcos. Familiar names, steady payouts, reliable income. But what if you could earn dividends beyond Singapore — while tapping into the long-term growth potential of ASEAN’s developing economies? In this episode, we sit down with Paul Ho from UOB Asset Management and Miko Huang from FTSE Russell to unpack a practical, fuss-free way to gain regional dividend exposure: the UOBAM Ping An FTSE ASEAN Dividend Index ETF. We also discuss why Singapore investors may want to diversify beyond local dividend stocks, the “3 Ds” behind the strategy, Dividends, Demographics and Diversification, and how the FTSE ASEAN ex REITs Target Dividend Index is constructed, including what a 100% dividend uplift really means. We touch on how the index screens out dividend traps, its country exposure across Singapore, Indonesia, Thailand, Malaysia and the Philippines, as well as currency risk and market volatility. If you’ve been relying heavily on Singapore stocks for income, this episode explores how you can broaden your dividend sources without stock-picking across multiple ASEAN markets — as part of a long-term, diversified approach rather than a quick yield chase. This podcast is brought to you in collaboration with UOB Asset Management. For more details on UOBAM Ping An FTSE ASEAN Dividend Index ETF, check out https://www.uobam.com.sg/our-funds/highlights/uobam-ping-an-ftse-asean-dividend-index-etf/index.page Disclaimer - • Distributions (in SGD) are not guaranteed. Distributions may be made out of income, capital gains and/or capital. This relates to the disclosed distribution policy as set out in the Fund’s prospectus. • For more details on UOBAM Ping An FTSE ASEAN Dividend Index ETF, check out https://www.uobam.com.sg/our-funds/highlights/uobam-ping-an-ftse-asean-dividend-index-etf/index.page • A potential investor should read the prospectus (or profile statement) before deciding whether to subscribe for or purchase units in the Fund. •The value of the units in the Fund and the income accruing to the units, if any, may fall or rise, and is likely to have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund. • You may wish to seek advice from a financial adviser before making a    commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. • This is a sponsored post. This advertisement has not been reviewed by the Monetary Authority of Singapore. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

    33 min
  4. 12/24/2025

    Should You Get a Personal Accident Insurance Plan? | DollarsAndSense Podcast Ep46

    Most of us already have insurance like MediShield Life, life insurance, or critical illness plans. But what about all the other common accidents and injuries that don’t require hospitalisation, sprains, falls, sports injuries, food poisoning, dengue, or even a quick A&E visit? In this episode, we explore the often-overlooked Personal Accident (PA) Plan, and why it can be an important complement to your existing coverage. We also look at how My GREAT PA Plan from OCBC provides medical reimbursements, hospital cash payouts, and even coverage for specific sicknesses — all from as little as $0.84 a day. Whether you’re active, travel often, or just want peace of mind, this episode explains why a PA plan might be worth considering. Underwritten by Great Eastern Life Assurance Company Limited, a wholly owned subsidiary of Great Eastern Holdings Limited, part of the OCBC Group. This plan is not a bank deposit and OCBC Bank does not guarantee or have any obligations in connection with it. This document does not take into account your particular investment and protection aims, financial situation or needs. You may want to seek advice from a financial adviser before committing to buy the product. If you choose not to seek advice from a financial adviser, you should consider whether the product is suitable for you. You may terminate the policy during the free-look period (if any) if you decide that the purchased policy is not suitable for you. Note that by doing so, the insurer may recover from you any underwriting expense incurred. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost. This document is for general information only. It is not a contract of insurance or an offer to buy an insurance product or service. It is also not meant to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. If you are interested in the insurance policy, you should read the product summary and policy illustration (available from us) before deciding whether to buy this product. We do not guarantee, represent or warrant that any of the information provided in this document is accurate and you should not rely on it as such. We do not undertake to update the information or to correct any inaccuracies. All information may change without notice. We will not be liable for any loss or damage arising directly or indirectly in connection with or as a result of you acting on the information in this document. This advertisement has not been reviewed by the Monetary Authority of Singapore. Policy Owner’s Protection Scheme This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg) Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

    18 min
  5. 12/17/2025

    From Student To Adulting: How To Manage Money Without Feeling Broke | DollarsAndSense Podcast Ep45

    Fresh grads — you’ve got your first job, first pay cheque… and a ton of questions about how to manage it all. For this special episode recorded at the Global Shapers x National Youth Council “Future of Finance” event, Deanna Lim, Partner at DollarsAndSense, hosts the podcast with Hazelle Soon, Co-Founder and Chief Trainer at The Joyful Investors. Both were panellists at the event later that evening, sharing insights on building the right money mindset, from saving intentionally and avoiding lifestyle traps to investing even with a small budget. This episode is proudly brought to you in collaboration with National Youth Council (NYC), MoneySense and Global Shapers Community Singapore Hub. NYC is all about empowering youths to pursue their passions by partnering with them and providing opportunities for them to get involved in shaping Singapore’s future. You can do your part through the SG Youth Plan. SG Youth Plan: https://www.youthplan.gov.sg/ MoneySense: https://www.moneysense.gov.sg/ The Joyful Investors: https://thejoyfulinvestors.com/ Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

    23 min
  6. 12/10/2025

    Why Financial Planning Is So Much Harder for Platform Workers | DollarsAndSense Podcast Ep43

    Being a platform worker in Singapore isn’t easy. One week you’re earning well, the next week your income dips. No paid leave. No employer CPF. No buffer. And when it comes to planning for your home, healthcare and retirement, it often feels like you’re running an uphill race. From 1 January 2025, the new Platform Workers Act marks one of the biggest shifts for this group — introducing mandatory CPF contributions, platform-operator co-payment and government transition support. It’s a structural change that could redefine what long-term security looks like for platform workers in Singapore. In this episode, we explore why financial planning has historically been harder for the gig workforce, how CPF fits into that picture, and what the latest changes mean not just for take-home pay but for the future you’re building. We also look at how younger and older workers experience these changes differently, and the subtle trade-offs that come with the new system. This is a conversation about work, security and the evolving shape of the gig economy and how the CPF reforms may finally help platform workers close the gap. This episode is brought to you in collaboration with CPF. Find out more on Platform Workers CPF Transition Support (PCTS) scheme here : cpf.gov.sg/PCTSDNS Find out more on Workfare Income Supplement (WIS) scheme here : cpf.gov.sg/WISDNS Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

    22 min

About

The DollarsAndSense podcast brings you deeper conversation within the DollarsAndSense team. Join Dinesh Dayani and Timothy Ho for a weekly discussion on everything that matters to our wallets! If you enjoy reading our articles on DollarsAndSense.sg, we do hope you will enjoy listening to us on this podcast series as well.