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.
S1E289: Is the 60/40 portfolio dead? Navigating rate hikes and oil shocks
With the Fed signalling persistent rate hikes and oil shocks stirring global markets, is your portfolio positioned to survive—or thrive? What do rising bond yields, stubborn inflation, and central bank manoeuvres mean for everyday investors? Is the traditional 60/40 portfolio dead? Should you pivot to gold, lock in fixed income, or look to Asian credit for refuge?
StashAway’s Stephanie Leung and Fullerton Fund Management’s Angus Hui join correspondent Howie Lim to decode hidden market risks, FX traps, and the institutional strategies you need to build bulletproof wealth today.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:21 How high rates squeeze household budgets
05:36 Rethinking the 60/40 portfolio
08:29 Why gold beats bonds as a hedge
13:16 The real cost of staying in cash
14:40 Asia’s cash problem
16:03 Invest with institutional strategies
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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
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Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Stephanie Leung, CIO, StashAway and Angus Hui, deputy CIO, Fullerton Fund Management
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
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27 Sept 2026
S1E288: The psychology of financial clutter: why we accumulate bad investments
Your portfolio might be messier than you think. Most of us don't build investment strategies — we collect financial products the way we hoard old cables and orphaned keys in a kitchen drawer. In this episode of Money Hacks from The Business Times, Howie Lim talks with Bryan Low — wealth management head at KGI Singapore and NTU professor — about why we keep buying without a plan, how loss aversion traps us in bad positions, and the surprising upside of cutting your portfolio down to ten lines. If your financial life needs a clean-out, this conversation is your Marie Kondo moment.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:08 The accumulation trap — why buying more isn't a strategy
03:37 Auditing the financial junk drawer
07:11 The cost of product-first thinking
09:00 Decluttering rules
11:05 Decluttering as wealth creation
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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 Bryan Low, head of International Wealth Management, KGI Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
---
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks (http://bt.sg/btmoneyhacks)
Amazon: bt.sg/mham (http://bt.sg/mham)
Apple Podcasts: bt.sg/oeXe (http://bt.sg/oeXe)
Spotify: bt.sg/oeGN (http://bt.sg/oeGN)
YouTube Music: bt.sg/mhyt (https://bt.sg/mhyt/)
Website: bt.sg/moneyhacks (https://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 (https://bt.sg/btcobt)
BT Market Focus at: bt.sg/btmktfocus (https://bt.sg/btmktfocus)
BT Podcasts at: bt.sg/pcOM (https://bt.sg/pcOM)
BT Lens On: bt.sg/btlenson (https://bt.sg/btlenson)
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
20 Sept 2026
S1E287: Ask vs answer: the human edge AI can't replicate
Would you let AI manage your money the way it manages your inbox? Turns out, most of us won't — 76 per cent use AI to crunch the numbers, but only 8 per cent trust it to make the final call. Correspondent Howie Lim sits down with Ishan Sarkar, head of wealth and premier solutions at HSBC Singapore, to explore the "conviction gap" — the moment data has to become a decision. From Gen Z investors to Black Swan events, discover why the smartest financial move might still be a human one.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:24 Closing the AI conviction gap
03:03 Is high-touch advice becoming a luxury good
07:39 Where AI value drops and human judgment spikes
12:45 Can AI handle a market crash better than a human
14:54 Will humans ever become replaceable
---
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
---
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Ishan Sarkar, head of wealth and premier solutions, HSBC Singapore
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
---
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks (http://bt.sg/btmoneyhacks)
Amazon: bt.sg/mham (http://bt.sg/mham)
Apple Podcasts: bt.sg/oeXe (http://bt.sg/oeXe)
Spotify: bt.sg/oeGN (http://bt.sg/oeGN)
YouTube Music: bt.sg/mhyt (https://bt.sg/mhyt/)
Website: bt.sg/moneyhacks (https://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 (https://bt.sg/btcobt)
BT Market Focus at: bt.sg/btmktfocus (https://bt.sg/btmktfocus)
BT Podcasts at: bt.sg/pcOM (https://bt.sg/pcOM)
BT Lens On: bt.sg/btlenson (https://bt.sg/btlenson)
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
Who has been a guest on BT Money Hacks
Names identified in recent episode analyses. Showing up to five guests.
Ritesh Ganeriwal
Stephanie Leung
Robin Tsui
Fan Shaokai
Yee Shen Hao
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
10,206,433
Score snapshot 15 Sept 2025
Apple Podcasts (US)
5.0 / 5
1 ratings
Spotify
4.8 / 5
9 ratings
Podcast Authority Score: 83 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
94
Social presence
0
YouTube
93
Engagement
89
Contact BT Money Hacks
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