The DollarsAndSense Podcast

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

Wed, 01 Apr 2026 13:00:00 +0800

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.

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Co-host: Feng Yi https://www.instagram.com/emceefeng

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

Wed, 18 Mar 2026 12:00:00 +0800

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!

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Co-host: Feng Yi https://www.instagram.com/emceefeng

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

Sat, 28 Feb 2026 13:00:00 +0800

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.

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Housing, Retirement & Healthcare: How Much Do You REALLY Need?| DollarsAndSense Podcast Ep47

Wed, 28 Jan 2026 13:00:00 +0800

Buying a home is just the start.
How you plan for housing affects your retirement — and even your healthcare later in life.
In this episode, we break down the real numbers behind housing affordability, retirement payouts, and healthcare costs in Singapore, using CPF planners to show what’s realistic — and what many people overlook.

Many thanks to CPF Board for sponsoring this episode.

The discussion features CPF’s official planning tools to help Singaporeans better understand housing, retirement and healthcare planning. Check out the various handy planning tools here: https://www.cpf.gov.sg/member/plan-with-cpf

Read more: https://dollarsandsense.sg/retirement-health-insurance-home-ownership-cpf-planner-tools-financial-decisions/

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

Wed, 24 Dec 2025 12:00:00 +0800

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)

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

Wed, 17 Dec 2025 11:00:00 +0800

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/

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Behind Singapore’s Biggest Personal Finance Festival | DollarsAndSense Podcast Ep44

Sat, 13 Dec 2025 12:00:00 +0800

Talking about money doesn’t have to be intimidating, and the Seedly Personal Finance Festival proves it. Recorded live at Marina Bay Sands during the 2025 edition of Singapore’s largest personal finance event, this episode of the DollarsAndSense Podcast goes behind the scenes with Rohit and Ayush from the MoneyHero team.

We unpack what it really takes to organise a 5,000-person finance festival, from managing last-minute date changes due to the general elections to coordinating over 70 speakers and 35 financial brands. The conversation also explores why localisation matters, how finance content is made relatable to everyday Singaporeans, and what makes people show up early on a Saturday to learn about money.

Plus, we dive into the future of the Personal Finance Festival — potential expansion into new markets, the idea of smaller thematic events, and how community-driven financial education continues to evolve.

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

Wed, 10 Dec 2025 11:00:00 +0800

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

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How You Can Start Investing in China Through ETFs | DollarsAndSense Podcast Ep42

Wed, 03 Dec 2025 11:00:00 +0800

China is one of the world’s largest and fastest-growing economies, but for the average Singaporean investor, buying into Chinese companies can feel overwhelmingly complex. Different share classes, foreign market access, currency risk… where do you even start?

In this episode, we sit down with Emerald Yau from FTSE Russell and Roger Leng from UOB Asset Management to unpack a fuss-free way to ride on China’s growth: the UOBAM FTSE China A50 Index ETF. Together, they break down what A-shares, H-shares and other share classes are, why the FTSE China A50 Index can be a practical proxy for China’s equity market, and how an ETF helps you own the 50 largest A-share companies through a single SGX-listed product in SGD.

We also discuss where this ETF might fit in a typical Singaporean portfolio, the role of volatility in an emerging market like China, and why investors should see this as a long-term growth story rather than a quick dividend play.

This video is brought to you in collaboration with UOB Asset Management.

Disclaimer -
• 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.

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Can An Average Investor Beat The Market? | DollarsAndSense Podcast Ep41

Wed, 26 Nov 2025 11:00:00 +0800

Recorded at the Seedly Personal Finance Festival 2025, Timothy sits down with Xin Yang, Head of Wealth, Structured Products Advisory, from uSmart to tackle a question every investor asks sooner or later: Should you even try to beat the market?

They unpack what “average market returns” actually are, how TikTok and YouTube can give investors false confidence, and why beginners should build a solid foundation before trying to outperform the market. From diversification and core ETFs to FOMO stocks, gold trends, overseas markets and dollar-cost averaging, the conversation turns complex investing ideas into simple, practical insights you can apply right away.

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Long-Term Disability: The Blind Spot in Financial Planning | DollarsAndSense Podcast Ep40

Wed, 19 Nov 2025 11:00:00 +0800

Most of us save for retirement, emergencies, and medical bills but we rarely plan for something far more common: long-term disability.

In this episode of the DollarsAndSense Podcast, Timothy sits down with Ong Hui Ming, CEO of ECON Healthcare Group, to unpack what long-term disability actually looks like in Singapore and why so many families are caught off-guard.

They explore the emotional weight families carry, the financial strain that comes with home care, rehabilitation, or nursing home support, and the tough decisions caregivers often have to make. The conversation also breaks down what CareShield Life actually provides, and where the gaps still are before discussing how families can prepare early so they’re not overwhelmed when a health crisis suddenly changes everything.

This episode is brought to you by Great Eastern Singapore.

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How To Beat Foreign Currency Transaction Fees | DollarsAndSense Podcast Ep39

Wed, 12 Nov 2025 11:00:00 +0800

Singaporeans travel and spend overseas more than almost anyone, but many still lose money without realising it.

Recorded at the Seedly Personal Finance Festival 2025, Dinesh speaks with Yee Won Nyon, Senior Product Manager at Wise, to unpack how multi-currency accounts, mid-market rates, and smarter payment choices can save you real dollars.

They break down foreign transaction fees, DCC traps, smart conversion tech, receiving money like a local, and how to keep your overseas spending safe and transparent. Ideal for travellers, online shoppers, and anyone dealing with foreign currencies.

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HDB Today: Overpriced or Overreacting? | DollarsAndSense Podcast Ep38

Wed, 05 Nov 2025 12:00:00 +0800

For many of us, the first thing we hear about HDB is a comparison,
“Last time flats so cheap… why now so expensive?”

But when you peel back the numbers, the story isn’t as straightforward as it sounds.

In this episode of the DollarsAndSense Podcast, Timothy and Dinesh unpack the truth behind HDB affordability, why flats used to cost less, why they cost more today, and why the full story is more complicated than just sticker price.

They dive into income, grants, interest rates and expectations, and why affordability today is less about “can you buy” and more about what you buy.

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How NOT to Lend Money to Friends & Families | DollarsAndSense Podcast Ep37

Wed, 22 Oct 2025 11:00:00 +0800

We all want to help the people we care about, but when it comes to money, things can get messy real fast.

In this episode of the DollarsAndSense Podcast, Timothy and Dinesh get real about what usually goes wrong when you lend money to friends or family, from unspoken expectations to awkward silences when repayment time comes around.

They share honest takes, real examples, and how to navigate this tricky territory with clarity, boundaries, and care. Because sometimes, saying “no” might be the kindest thing you can do.

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Retiring in Singapore on $1,384 a Month – Is It Possible? | DollarsAndSense Podcast Ep36

Tue, 30 Sep 2025 12:00:00 +0800

Singapore’s latest Household Expenditure Survey says retirees spend about $1,384 a month. But is that really enough?

With longer lifespans, rising costs, and evolving CPF rules, retirement planning has never been more important. In this episode, we unpack retirement expenses across income levels, the impact of inflation, and how CPF LIFE payouts and retirement sums (BRS, FRS, ERS) translate into monthly income. Plus, hear real stories from retirees on stretching their dollars and get practical tips to boost your CPF savings.

Whether you want a basic or comfortable lifestyle, this guide helps you plan smarter for financial independence in Singapore.

This podcast episode is brought to you in collaboration with CPF.

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Beyond T-Bills: How Bond ETFs Can Help Singapore Investors Diversify | DollarsAndSense Podcast Ep35

Thu, 18 Sep 2025 11:00:00 +0800

With T-bill yields falling below 2%, many investors are searching for better options. In this episode of the DollarsAndSense Podcast, recorded live at MooFest 2025, Timothy sits down with Bertram, Investment Director and Portfolio Manager at Amova Asset Management (formerly Nikko Asset Management). They discuss why bond ETFs are gaining traction, how they work, and why they may offer Singapore investors both diversification and steady returns.

• Learn the difference between government and corporate bond ETFs
• Understand the risks and rewards of bond investing
• Find out how to position bonds in your portfolio for 2025 and beyond

This video is brought to you in collaboration with Amova Asset Management (formerly Nikko Asset Management).

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Fixed Income in 2025: Risks, Opportunities & Strategies | DollarsAndSense Podcast Ep34

Thu, 11 Sep 2025 11:00:00 +0800

With interest rates shifting, inflation pressures, and global uncertainty, more investors are taking a fresh look at fixed income in 2025.

In this special episode of the DollarsAndSense Podcast (recorded live at MooFest 2025), our co-founder Dinesh Dayani sits down with Kylie Soh, Client Portfolio Manager for Fixed Income at Fullerton Fund Management, to unpack:

• Why investors are paying more attention to bonds today
• Key trends shaping Asia and Singapore’s credit markets
• Whether bonds can still provide stability and returns
• Where to park your money after T-bills and fixed deposits mature
• Practical advice for beginners looking at bond funds

Kylie also shares her take on the biggest risks and opportunities for 2025 and what a balanced portfolio could look like for us investors.

This video is brought to you in collaboration with Fullerton Fund Management.

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Freehold vs Leasehold: Which Property Should You Go For in Singapore? | DollarsAndSense Podcast Ep33

Thu, 04 Sep 2025 12:00:00 +0800

Buying a property is one of the biggest financial decisions for Singaporeans and one debate always comes up: Should you buy freehold or leasehold?

In this episode of the DollarsAndSense Podcast, we dive into the trade-offs, insights, and real-life stories behind freehold and leasehold properties. From why some leasehold condos outperform freehold, to the risks of older developments, en bloc potential, and how landlords and homeowners should think differently, and uncover what really matters when choosing your next home.

Read also:https://dollarsandsense.sg/freehold-vs-leasehold-how-much-more-freehold-property-sold/

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Warrants vs Options: Which Works Better for Your Trading Strategy? | DollarsAndSense Podcast Ep32

Thu, 21 Aug 2025 11:00:00 +0800

In this DollarsAndSense Podcast special episode recorded live at MooFest 2025, Our host and Co-Founder, Timothy Ho, chats with Binni Ong, professional trader and SGX Academy trainer, who shares 30 years of trading experience to break down complex concepts into practical strategies.We dive deep into Warrants vs Options, how they work, their key differences, and how traders can use them effectively in volatile markets.

This podcast episode is brought to you in collaboration with Macquarie Warrants Singapore. Curious about warrants and other trading tools? Find out more here: https://www.warrants.com.sg

Disclaimer:
Any information provided in this video is meant solely for informational and investor education purposes and do not constitute an offer, a solicitation of an offer, or any advice or recommendation to conclude any transaction. Investment products including warrants are subject to significant investment risks, including but not limited to the possible loss of the total principal amount invested. Before making an investment decision, investor should seek advice from a financial adviser regarding the suitability of the investment product. This video is sponsored by Macquarie Warrants Singapore.

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How Much Do Property Agents in Singapore Really Earn? | DollarsAndSense Podcast Ep31

Thu, 14 Aug 2025 11:00:00 +0800

Are property agents in Singapore really making five figures a month? Do those flashy cars and Instagram reels tell the whole story?

In this episode of the DollarsAndSense Podcast, we speak with Kai Vearn, a real estate agent with 10 years of experience, to uncover the real income, commission structures, costs, and financial challenges faced by agents today. We break down how commission works, how much actually goes into their pocket after expenses, and how social media and market trends have reshaped the industry.

Whether you're thinking of becoming an agent or just curious how much they make, this episode pulls back the curtain.

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What to Invest in for 2025? AI, Gold, Crypto & Dividend Strategies Explained | DollarsAndSense Podcast Ep30

Fri, 25 Jul 2025 11:00:00 +0800

In this special episode recorded live at MooFest 2025, DollarsAndSense co-founder Dinesh Dayani speaks with Isaac Lim, Chief Market Strategist at moomoo Singapore, on the big question every investor is asking: What to invest in for 2025?

From US markets and China’s rebound, to Japan’s hidden value stocks and Singapore’s high dividend plays, we dive into the macro trends shaping investor behaviour today. Isaac also breaks down the surprising rise of crypto (yes, even among low-risk investors), and why retail investors are flocking to AI and gold.

Watch the full episode to find out:
- How to build a resilient dividend income portfolio
- Why a 3-part portfolio strategy (core, satellite, dividend) makes sense now
- How to use moomoo tools to cut through the noise and find opportunities

BONUS: Want to open a moomoo account? We’ve got you covered.
Here's a Step-by-step guide to opening your moomoo account: https://dollarsandsense.sg/step-step-guide-opening-futu-sg-securities-account-moomoo/

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STI vs EPL: What Football Teaches Us About Playing the Long Game

Thu, 10 Jul 2025 11:00:00 +0800

You wouldn’t bet your life savings on a football team. So why do it with a single stock? In this DollarsAndSense podcast episode, we explore why investing in the STI ETF is a lot like following the English Premier League.

Whether you're a Manchester United die-hard or just ETF-curious, we break down how index investing works, why teams (and stocks) get “relegated,” and how not to be a fair-weather investor. From Portsmouth to Noble Group, we look at what happens when stars fade and why it's smarter to back the whole league instead of just one club.

Join us at the #EveryDayInvestor event:
🗓 19 July | 📍 SGX Auditorium | 🎟 $5 (lunch & goodies included)
Register here: https://dollarsandsensesg.link/epl_ep

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Why Large Families Pay Disproportionally More When They Travel

Thu, 03 Jul 2025 12:00:00 +0800

Ever tried booking a trip with 4, 5… or 6 kids? 😵‍💫 In this episode of the DollarsAndSense Podcast, Timothy, our Managing Editor/ Co-founder, also a dad of three, and Nick, a dad of six, dive into the real challenges and hilarious moments of traveling with a large family. From the logistical headaches of packing for multiple kids to finding family-friendly activities that everyone can enjoy, these dads share their personal struggles and best hacks for making family trips a success.

Travelling with a big family isn’t easy — but it can be done smartly. We dive into booking tricks, transport tips, budget hacks, and how to keep kids happy (and parents sane) on the road. Packed with real stories, laughter, and advice for making family trips work.

Planning for a family holiday soon? Don’t forget to bring along your YouTrip card to get the best bang of your buck for for all your travelling expenses.

DollarsAndSense Exclusive:
Download YouTrip App and use the promo code DNS5 during your YouTrip registration to receive a $5 welcome credit in your YouTrip account.

Read also: https://dollarsandsense.sg/problems-t...

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$2,063 a month for NCMP. Would You Accept It?

Fri, 30 May 2025 11:00:00 +0800

The NCMP role gives opposition candidates who narrowly lost a second chance to enter Parliament. But with a $2,063 monthly allowance and limited voting rights, is it fair to expect them to accept it? In this episode of the DollarsAndSense Podcast, we unpack the origins of the NCMP scheme, how it's evolved, and why taking on the role is not just a political decision but a deeply personal one. We also explore how NCMPs can shape future elections, and why the choice to accept or reject the role isn't as straightforward as it seems.

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CIMB’s Raymond Tan: 63% of Singaporeans Want to Retire Between 40 to 60 But Can They Really

Wed, 21 May 2025 12:00:00 +0800

Can most Singaporeans really afford to retire between 40 to 60?

In this episode of DollarsAndSense podcast recorded at InsureXpo 2025, CIMB’s Raymond Tan breaks down what Singaporeans believe about retirement and the financial reality behind those dreams. From rising living costs and CPF choices to FIRE aspirations and healthcare inflation, this episode explores whether early retirement is achievable or just wishful thinking.

🎧 Whether you’re in your 20s just starting out or in your 40s feeling the pressure, this episode is packed with insights on what it really takes to retire well in Singapore.

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#SingaporeRetirement #CIMB #FIREmovement #CPF #RetirementPlanning #DollarsAndSense #FinancialIndependence

SGBudgetBabe: The Smarter Way to Achieve FIRE in Singapore

Thu, 15 May 2025 17:00:00 +0800

Is FIRE (Financial Independence, Retire Early) realistic in Singapore?
With high property prices, rising living costs, and sandwich generation pressures, it seems like a distant dream for many. But is it really?

In this episode of DollarsAndSense podcast recorded at InsureXpo 2025, we speak with Dawn, better known as SGBudgetBabe, to unpack the realities of achieving FIRE in Singapore. She shares why it's not just about investing aggressively, but also managing lifestyle expectations, understanding CPF, and using "the system" to your advantage.

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Singlife’s Helen Shen: What Most People Get Wrong About Insurance Could Cost Them Everything

Fri, 25 Apr 2025 12:00:00 +0800

Is your insurance plan really serving your life stage — or draining your wallet? In this episode of DollarsAndSense podcast recorded at InsureXpo 2025, Helen Shen, Group Head of Products at Singlife, joins us to unpack what "the right insurance at the right time" really means.

We talk misconceptions, affordability myths, how healthcare inflation is reshaping coverage, and the biggest mistakes young families and retirees make with their insurance plans. Whether you're just entering the workforce, starting a family, or planning your retirement, this is the insurance masterclass you didn’t know you needed.

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Mr.Loo, 1M65: He Bought the Dip During Every Market Crash — Here’s What He’d Do Now

Fri, 18 Apr 2025 11:00:00 +0800

After Trump’s surprise trade tariffs sent global markets into turmoil, many rushed to “buy the dip” — but is that really the smart move? In this episode, we speak to Mr. Loo Cheng Chuan, founder of the 1M65 movement, on how he reads market crashes, why most investors fail at DCA, and what he’s doing this time amid the volatility.

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From $1.00 to $1.90 - What Old Chang Kee’s Curry Puff Can Teach Us About Inflation In Singapore

Thu, 10 Apr 2025 13:00:00 +0800

Curry puffs and chicken wings aren’t just snacks — they’re tracking inflation. In this DollarsAndSense podcast episode, we break down Singapore’s rising cost of living using a unique and surprisingly accurate gauge: the Old Chang Kee Index.

From 2006 to 2025, prices of OCK snacks have more than doubled — and that mirrors the inflation many of us feel every day. We explore how everyday staples like kopi, economic bee hoon, and even football pitch rentals reflect broader economic trends, why the official CPI might feel disconnected from real life, and why some costs (like mobile data) are actually falling.

🔗 Read more about The Old Chang Kee Index here:
https://dollarsandsense.sg/the-old-chang-kee-index-can-curry-puffs-chicken-wings-be-used-to-track-inflation-in-singapore/

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LPA & Will: What Are They, And Why You Should Not Overlook These Vital Financial Planning Tools

Tue, 25 Mar 2025 11:00:00 +0800

Most Singaporeans focus on investing and saving, but estate planning is often overlooked. Without a Lasting Power of Attorney (LPA) or a will, your assets and decision-making power may not be handled the way you intend.

In this episode of the DollarsAndSense Podcast, we speak with Tan Check How, Director at iFAST Global Trust, about why these legal documents are crucial. Learn how an LPA ensures your affairs are managed if you lose mental capacity and how a will secures your assets for your loved ones.

We also discuss real-life cases where having—or not having—these documents made a significant difference for families. Don't leave your financial future to chance. Watch now to understand how to safeguard your wealth.

How SIAS Became Singapore’s Champion For Minority Shareholders

Thu, 27 Feb 2025 12:00:00 +0800

In this episode of our DollarsAndSense Podcast Heritage Series, we uncover how the Securities Investors Association of Singapore (SIAS) became the champion for minority shareholders. Join us as we speak with David Gerald, founder and CEO of SIAS, about the 1999 Clob saga, where 172,000 Singapore investors had their Malaysian stocks frozen, and how SIAS fought against unfair deals to protect retail investors.

Drawing on the profound insights from SIAS’s acclaimed book, Boardroom Knockout, which served as the foundation for much of our discussion, we delve into the gripping story behind SIAS’s book, "Boardroom Knockout: How Singapore’s Investor Watchdog Fights for Minority Investors". This book reveals the intense world of shareholder activism where battles are often fought in the boardroom. Through remarkable real-life examples, such as the China Aviation Oil scandal, the Hyflux crisis, and the Lehman Brothers minibond fallout, readers gain an insider’s perspective on how SIAS confronted some of Singapore’s most challenging corporate battles.

If you’re passionate about corporate governance and the defense of minority investors, be sure to grab a copy of "Boardroom Knockout" at https://bit.ly/4ifahUs.

#SIAS #SingaporeStocks #Investing #StockMarket #MinorityShareholders #ClobSaga #DavidGerald #Podcast #OurHeritage #StockTrading #FinancialHistory

Singapore Budget 2025: The Biggest Game-Changers You Need to Know

Fri, 21 Feb 2025 14:00:00 +0800

Singapore Budget 2025 has introduced several major policy changes that will impact families, businesses, and workers. In this episode of the DollarsAndSense Podcast, Dinesh and Timothy break down the biggest game-changers you may have missed.

🔹 $6.4B Budget Surplus – What does this unexpected surplus mean for future government spending?

🔹 Large Family Scheme – Families with 3+ kids receive $10K CDA grants, $5K Medisave top-ups, and $1K/year (ages 1-6) in LifeSG credits.

🔹Corporate Tax Rebate – Businesses get a 50% rebate, capped at $40K, plus a $2K cash grant for those without profits.

🔹 SkillsFuture & Workfare Enhancements – Low-wage workers (30-39 y/o) can now get 50% salary support (up to $3K/month) for diploma courses.

🔹Support for Vulnerable Workers – CPF top-ups and hiring incentives for seniors, PWDs, and ex-offenders to boost employment opportunities.

🔹LifeSG Credits Expansion – Families with kids under 12 get $500 in credits, teenagers (13-20 y/o) get $400 EduSave top-ups.

How will these changes affect you? Watch the full breakdown and share your thoughts in the comments!

🔗 Read our full coverage of Budget 2025 here:
https://dollarsandsense.sg/live-updates-singapore-budget-2025-live-coverage-real-time-commentary/

https://dollarsandsense.sg/singapore-budget-2025-5-major-announcements-that-will-benefit-the-average-singaporean/

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#SingaporeBudget2025 #DollarsAndSense #SGFinance #GameChangers

Age Of AI: Understanding The Semiconductor Industry

Thu, 13 Feb 2025 12:00:00 +0800

The rise of AI is fueling unprecedented demand for semiconductor chips, with companies like NVIDIA and AMD at the forefront. But what does this mean for investors?

In this episode of the Dollars and Sense Podcast, recorded at FSM Invest Expo 2025, we dive deep into the semiconductor industry with Tan De Jun, Portfolio Manager at iFAST Singapore.

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Market Shifts in 2025: What Singapore Investors Need to Know

Tue, 04 Feb 2025 17:00:00 +0800

With new global policies shaking up the economy, investors are re-evaluating their strategies. Filming The DollarsAndSense Podcast offsite once again—this time at FSM InvestExpo 2025, we explore how trade tensions, market volatility, and shifting supply chains could impact your investments.

Senior Portfolio Manager You Weiren from iFAST Singapore breaks down:

01:55 – How markets and investors are reacting to the latest policy shifts
04:52 – Trade tensions: Do tariffs create winners and losers, or just more uncertainty?
09:08 – Impact on major Asian markets: What it means for China, Japan, and Singapore
11:51 – Key sectors to watch in 2025: Opportunities and risks for investors
14:25 – Inflation concerns: How central banks are responding to new economic policies
16:51 – Should Singapore investors rethink geographic diversification?

📩 Share your thoughts in the comments & subscribe for more market insights!

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The DollarsAndSense Podcast - Investing & Retirement Planning: Why They Are Not The Same Thing

Fri, 27 Dec 2024 10:00:00 +0800

In this episode, we dive into a topic that's crucial yet often misunderstood: Investing and Retirement Planning—Why They Are Not the Same Thing.

💡 Highlights of the episode:
- Why lumping investing and retirement planning together could be a costly mistake.
- The importance of starting early to leverage the power of compounding interest.
- How to navigate healthcare expenses, housing loans, and even lifestyle inflation for a secure retirement.

If you're someone who wants to build wealth while securing your future, this episode is for you!

The Evolution of Bank Branches in Singapore

Wed, 30 Oct 2024 12:00:00 +0800

We’re on location at OCBC’s unique Wisma Atria branch – a place where banking meets lifestyle with a café, bookstore, and even an omakase restaurant! 📚🍱 In this DollarsAndSense podcast episode, we dive into the evolution of bank branches in Singapore and the shift towards digital banking. Our team shares insights on the early days of local banks, the rise of mobile banking, and what the future of banking looks like as digital and physical branches converge. Don’t miss this look into the past, present, and future of banking in Singapore!

Check out the full episode now! 📺

#OCBC #DollarsAndSense #SingaporeFinance #DigitalBanking #BankEvolution #BankingInnovation #BankingHistory #Podcast #OurHeritage

From Brick & Mortar To Click & Mortar - How OCBC, Singapore Oldest Local Bank, Has Transformed Over The Past Century

Thu, 03 Oct 2024 12:00:00 +0800

In this episode, we’re taking you to OCBC Wisma Atria as we dive into the history of OCBC, Singapore's oldest local bank. Hear how the bank transformed from its beginnings in 1932 to become a financial leader in Southeast Asia. Learn about key milestones, innovations, and strategies that have shaped OCBC’s success over the past century.

Tune in for an in-depth discussion on the evolution of banking in Singapore!

#OCBC #DollarsAndSense #SingaporeFinance #BankingInnovation #BankingHistory #OurHeritage

The Evolution Of Financial Content: How SGBudgetBabe Has Evolved After A Decade

Thu, 08 Aug 2024 07:00:00 +0800

Welcome to another exciting episode of the DollarsAndSense podcast! In this episode, we're filming at MooFest 2024 with a special guest: Dawn Cher, the creator of SG Budget Babe. In this episode, we dive into the ever-changing world of financial content creation. From blogging to YouTube and TikTok, we explore how platforms and content styles have evolved over the past decade. Fiona shares her unique journey, the challenges of balancing life and content creation, and offers insights into the future of finance content. Whether you're a budding influencer or a finance enthusiast, this episode is packed with valuable takeaways!

Thank you for watching and supporting the DollarsAndSense podcast!

Beyond Stocks & Bonds: How A Multi-Asset Class Portfolio Can Look Like In the 21st Century?

Thu, 25 Jul 2024 11:00:00 +0800

Is your portfolio stuck in the traditional stocks and bonds mix? Discover why diversifying into multiple asset classes is crucial in today's market. 🎙️ Jermyn Wong from State Street Global Advisors breaks it down in our latest podcast. Tune in for practical tips on global diversification, ETFs, and more.

Home Court Advantage: Why Investing At Home Can Be Valuable For Singapore Investors

Fri, 12 Jul 2024 14:00:00 +0800

Joining us for our debut on-site podcast discussion is Gavin Chia, CEO of Moomoo Singapore. Playing at home is always advantageous. Whether it’s the FIFA World Cup, NBA Finals or upcoming 2024 Paris Olympic Games, athletes tend to perform better when they are playing at home. With nearly 18 years of experience in various investment brokerages in Singapore, Gavin shares valuable insights.

The Singapore Dream: The New 5Cs That Singaporeans Want

Sat, 09 Mar 2024 11:00:00 +0800

The "5Cs of Singapore" refer to cash, car, credit card, condominium, and country club membership. In the 1990s, these items became not just objects of desire, but symbols of success, prestige, and social standing. But why were these particular items chosen to represent success, and are they still relevant today?

DollarsAndSense explores how the 5Cs have evolved as a result of Singapore's economic development, and the broader implications of the 5Cs philosophy in modern society.

Read the article that inspired this discussion:
https://dollarsandsense.sg/5cs-singapore-dream/

SES: Socioeconomic Status

Singapore Budget 2024: 4 Major Changes In Government Policies

Sat, 24 Feb 2024 11:00:00 +0800

During his Budget 2024 speech, DPM Lawrence Wong admitted that the outlook for 2024 is mixed – with looming geopolitical risks. In lieu of this, he rolled out a slew of new support measures for both individuals and businesses. These measures covered a wide range of policies and schemes such as SkillsFuture and CPF.

In this episode of the DollarsAndSense Podcast, we discuss 4 of the biggest and most surprising announcements, and how they will affect Singaporeans financially.

Read more about the topic here: https://dollarsandsense.sg/singapore-budget-2024-things-will-impact-singaporeans-financially/

Surviving The Retrenchment As A Tech Worker

Thu, 21 Sep 2023 12:00:00 +0800

#TheGreatResignation has turned into #TheGreatRetrenchment in the past 12 months, with tech workers being one of the groups that have been most affected.

In this conversation about retrenchment, popular content creator and tech worker, Jeraldine Phneah, shares her recent retrenchment experience. Jeraldine also explained why companies sometimes lay off good performers and how workers can recover from this setback.

3:10: Why do some companies retrench workers who are performing well, or have just received a promotion or a good bonus? And why do they sometimes rehire so quickly after a layoff exercise?

14:00: Coping as a survivor of a retrenchment exercise isn’t easy. Besides an increase in workload, remaining employees may experience a lack of job security. Should they also start looking for new jobs?

19:15: Is loyalty to a company still applicable today?

22:15: Are you working harder for yourself or your boss?

27:00: Why workers today should think about retrenchment as part of their career journey

29:30: Can a worker who has been laid off still ask for a higher salary in their next job? Or should they be realistic and accept lower pay?

33:00: Is it true that HR recruiters will only want to talk to you if you have an existing job? Do you become less desirable as a worker once you have been retrenched?

Singapore Budget 2023: What Businesses Need To Know

Sun, 19 Feb 2023 07:00:00 +0800

CPF contributions was a prominent part of Budget 2023. The CPF Annual Salary Ceiling will be raised from $6,000 to $8,000 by 2026. CPF contributions will also increase for senior workers above 54 to 70, while Platform Workers will start receiving CPF contributions from the tail-end of 2024.

Employers will also have to focus on employee productivity. DPM Lawrence Wong mentioned that guidelines will be put in place for flexible work arrangements. Working fathers can now enjoy up to 4 weeks of Paternity Leave (with the additional 2 weeks on a voluntary basis for now).

At the same time, schemes will also be rolled out to enable SMEs to invest in increasing employee productivity, building new capacities and expanding.

Gold: Does It Make Sense To Buy It During Crises And Inflation?

Wed, 11 May 2022 16:00:00 +0800

The price of gold has held up well over the long-term. This makes it a good investment to combat inflation and geopolitical uncertainties – which are creating volatility in the markets currently. In the podcast we look at how gold has held up during near-term uncertainties as well, such as recent wars and recessions.

We also need to go about buying gold. We can invest in gold ETFs, similar to how we buy and sell stocks on the exchange. However, gold does not produce income, while there is a cost to storing and managing the gold ETF. This is the same for gold accounts or other precious metals accounts we can open with banks.

The other question we also explore the topic of buying gold for investment VS buying gold to wear. Furthermore, if we can enjoy wearing our jewellery (which is an investment on its own) while also seeing its value rise, that could be a win-win outcome too.

Read More: https://dollarsandsense.sg/can-gold-really-safe-haven-times-crisis-take-look-gold-prices-periods-uncertainties-find-co-relation/

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Buy Now, Pay Later (BNPL) – What’s The Difference Between Credit Cards, And How Sustainable Is It As A Payment Solution?

Tue, 15 Feb 2022 17:00:00 +0800

Buy-Now-Pay-Later (BNPL) has become an increasingly relevant topic around the world. While it’s not hard to guess what it refers to – buying something today and paying for it at some point in the future – we look at what really makes it different to credit cards.

Beyond just that comparison, another layer to the discussion is how ethical is it for BNPL companies, which are typically not regulated, to encouraged their customers to take on debt. This is especially since their users can be more vulnerable groups, students who have never managed debt or even income, and lower-income individuals who do not earn enough or have poor credit ratings to qualify for credit cards.

Read more: https://dollarsandsense.sg/simple-truth-behind-buy-now-pay-later-bnpl/

Buying A Resale HDB Flat Without Govt Grants As Your First Home In Singapore. Does It Make Sense?

Tue, 11 Jan 2022 19:00:00 +0800

With a squeeze on homes in Singapore, resale HDB prices have been climbing since COVID-19 hit in early 2020. We discuss whether buying a resale HDB flat is really an ideal starter home in Singapore. Going even further, we talk about the merits of buying a resale HDB flat without using any government grants. Doing this, we retain our "first-time buyers" status with HDB - giving us the option to go back into the BTO market when we become eligible and/or have a home to wait out the 4 to 5 years building period.

Read the original article that sparked this discussion: https://dollarsandsense.sg/purchasing-hdb-resale-flat-without-grants-can-good-starter-home-option-singapore/

Local Qualifying Salaries & Progressive Wages: Is Singapore Headed Towards Minimum Wage?

Thu, 02 Sep 2021 16:00:00 +0800

The $1,400 local qualifying salary is one highlight from Prime Minister Lee’s National Day Rally 2021 speech that caught public attention. Many netizens jumped on board to laud this change as a new minimum wage for Singapore workers. From a relatively obscure technical term that was used by Ministry of Manpower (MOM) and HR departments, the Local Qualifying Salary is now in mainstream attention after PM Lee’s mention.

We discuss a quasi-minimum wage structure in Singapore based on enhancements to Local Qualifying Salaries (LQS) and Progressive Wages.

Read more: https://dollarsandsense.sg/local-qualifying-salary-5-things-need-know-lqs/

Should We Cancel Our BTO Because Of COVID-19 Construction Delays?

Sat, 21 Aug 2021 16:00:00 +0800

We discuss the reasons it doesn’t make financial sense to cancel our BTO, and also why HDB can consider more leniency for those who do cancel their applications.

Read more: https://dollarsandsense.sg/doesnt-make-financial-sense-give-hdb-bto-flat-due-construction-delays/

Self-Employed Persons Unfairly Given Less Government Grants?

Fri, 06 Aug 2021 14:00:00 +0800

In this episode, the DollarsAndSense team discusses whether self-employed persons (and possibly even freelancers) are being given less government support just because they didn't incorporate a private limited company.