Chills with TFC

SSB rates are down. T-bills are down. Your cash is losing its mojo.So, what’s the next move?Everyone’s asking the same question: “Where can I park my cash to get a better yield, without taking on huge risk?”Join us as we crack the code on a smarter alternative. We’re talking about a fund designed for one job: to consistently beat cash.Learn about:- The exact trade-off: How much more risk for how much more yield?- The 2022 Test: How it held up during the worst bond market in decades.- The real-world fit: Is this for your emergency fund, house down-payment, or retirement pot?With special guests, we get the institutional view on how to make your money work harder when interest rates are falling:- Natalie Tan, Head of Wholesale SEA, Aberdeen Investments- Amit Moudgil, Investment Specialist, Aberdeen Investments- David Wu, Minimalist in the City, Financial CoachStop leaving returns on the table.Listen to the full episode now.Disclaimer: This content is produced in partnership with Aberdeen Investments for educational purposes. It discusses the abrdn SICAV I - Short Dated Enhanced Income Fund and is not financial advice. Investments in the Fund are subject to risks, including the possible loss of the principal amount invested. This advertisement has not been reviewed by the Monetary Authority of Singapore. Investors should read the relevant prospectus and consult a financial adviser to ensure the Fund is suitable for their portfolio. For more information on Aberdeen Investments: https://www.aberdeeninvestments.com/en-sg/investor/investment-solutions/credit/short-dated-enhanced-income-fund---🎧 The Financial Coconut: Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube📺 MORE FROM OUR NETWORKDiscover our other shows and deep dives on YouTube⚠️ Disclaimer:The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What would you do if you walked away from a six-figure corporate job in your 20s to completely reimagine your life?We sit with Asher Chua, a former workaholic who traded quotas and endless sales calls for something entirely different. He’s experimented with side hustles, built his own consultancy, and even made some bold life decisions while juggling a wedding and buying a home.Here’s a taste of what you’ll hear:- Why he left the comfort of a high-paying tech sales career- How he manages risk while building a solo business- What financial milestones gave him the courage to quit- The surprising role his partner played in shaping his journeyAnd beyond the numbers, Asher shares his vision for family, freedom, and what a "good life" in Singapore means to him.Tune in to hear a candid story about money, mindset, and making big life changes.---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Ever thought investing in small-cap stocks was just too risky? What if the biggest myths about them are hiding the biggest opportunities?We sit down with James Yeo, Investor and Trainer, Investkaki.com shares how he went from a five-figure wipeout to building a mid six-figure portfolioWhat you’ll hear:- The painful mistake that shaped his investing framework.- How he pivoted from trading to value, then to quality investing.- Why Singapore’s small-cap stocks might hold more potential than most investors think.- Practical guardrails to protect yourself from another wipeout.If you’ve ever doubted whether you can bounce back from losses, this conversation is proof that resilience (and the right strategy) can change everything.---🎧 The Financial Coconut: Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover our other shows and deep dives on YouTube⚠️ Disclaimer:The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What if you could retire… in your 30s? Not at the end of your life, but right now? What would you do with that time, and who would you become?Meet Ho Ming Xia, a former chronic workaholic from the high-stakes world of global entrepreneurship, now taking a bold leap into living life on her own terms. Sneak peek:- Why Xia decided to take a "retirement year" at the peak of her career.- How she simulated retirement by living in four cities and balancing work with well-being.- The unexpected lessons she learned about time, money, and self-worth along the way.- And how she manages to work just 4-hours a week while living life to the fullest.If you’ve ever felt like you’re running out of time, or wondered what’s on the other side of the relentless hustle… you need to hear this story.Tune in to discover how to simulate the life you want and start living it now.---🎧 The Financial Coconut: Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover our other shows and deep dives on YouTube⚠️ Disclaimer:The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Does the FIRE movement unlock freedom—or just another grind?Christopher Ng, Founder, Tree of Prosperity, and one of Singapore’s earliest FIRE adopters, joins us to share:- Why the original FIRE ideas differ from how millennials and Gen Z are practicing it today- The surprising mindset needed to actually enjoy FIRE- The hidden trade-offs of lifestyle compression- How dividends (yes, just one payout changed everything for Chris) can reshape your view of work and money- Why FIRE isn’t meaningless — and what really gives life meaning beyond moneyIf you’ve ever wondered whether FIRE is a path to freedom or just another grind, this conversation will make you rethink your assumptions.Tune in and decide for yourself — is FIRE worth chasing?---🎧 The Financial Coconut: Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover our other shows and deep dives on YouTube⚠️ Disclaimer:The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What happens when you slash your spending to just a few hundred dollars a month, quit your stable job, and throw yourself into extreme budgeting and risky ventures?Meet Xuan Kai — physiotherapist by day, YouTuber by night — who once slashed his spending to just $100 a month and quit his job with no backup plan.Hear:- What extreme budgeting really costs you- How risky trades and burnout reshaped his outlook- Why his best investment isn’t in the markets at allRaw, unfiltered, and full of lessons you won’t find in a finance textbook.Don’t miss this episode — tune in to hear what Xuan Kai learned the hard way, and how he’s rewriting his relationship with money today.---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What does it really feel like to be an Indonesian professional building a life in Singapore?We sat with Mickey Salim – a Jakarta-born, Hong Kong-raised marketing tech pro who’s now making her mark in Singapore.From landing a rare internal transfer without a job lined up… to navigating the messy, months-long process of relocating across Asia… Mickey spills the real tea on what it takes to make the move – connections, hustle, and a whole lot of persistence.She shares:- The unexpected advantage she had from studying in Hong Kong – and why it made all the difference- How she negotiated her relocation package & pulled off a bold, self-initiated international transfer against all odds- A shocking “buyout” clause that let her jump to her new job faster- Why she says living a decent life in Singapore might actually be cheaper than in Jakarta – yes, really- Her bold money moves: from frugal beginnings to investing across borders, playing with crypto, and leveraging SRS for tax savings- And the surprising reason she’s now certain she wants to **settle down in Singapore for good**Mickey’s also a rising voice in the Indonesian community here – turning her content channel into a platform that’s connecting and empowering fellow expats.This is a story of strategy, survival, and finding your place. It’s raw, it’s real, and it’s packed with insights for anyone building a life away from home.Don’t miss it. This one’s for every aspiring expat– and anyone who’s ever wondered what it takes to build a life across borders.---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 May 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Ready to navigate the explosive world of franchising in 2025?We sit with three industry powerhouses who’ve lived and breathed franchising from every angle:Ms Hsien Naidu, CEO, Astreem Consulting Pte Ltd - 20-year franchise guru who’s scaled award-winning brands across AsiaMr Gan Shee Wen, President, Franchising and Licensing Association (Singapore), Vice President, Group Sales and Marketing, Koda Ltd and Chief Operating Officer, Commune Lifestyle Pte Ltd - Retail disruptor who conquered China’s cutthroat market with furniture franchisingMr Lee Shao Rong, Owner & F&B Entrepreneur - From near-failure to 11 outlets—the founder of Super Green shares hard-won ops truthsWe’re talking 2025 franchise trends you need to know:✅ Why location isn’t just about foot traffic — and the counterintuitive strategy behind choosing the right spot✅ The hidden costs no one talks about — from manpower to mall logistics✅ How China is rewriting the franchise playbook — and what it means for you✅ Why empathy between franchisor and franchisee is the secret sauce to long-term success✅ And the #1 question you must ask before signing any franchise agreementThis is more than just a preview of FLAsia — it’s your insider’s guide to making smarter, data-driven decisions in a fast-evolving landscape.Whether you’re a franchisor, franchisee, or eyeing your first investment, this episode is your 2025 survival kit.Tune in now — and don’t miss the exclusive Franchise Mastermind Workshop at FLAsia 2025, where potential franchisees get 2 hours of hands-on guidance from industry leaders.📍Mark your calendars: FLAsia 2025, September 18–20 at Marina Bay Sands👉 Score a Free Visitor Pass: https://qr1.be/CR6O👉 Or use code [FLA25_TFC_20] for 20% off conference tickets! (Partner events excluded).See you there!01:54 - Introduction: Ms Hsien Naidu, CEO, Astreem Consulting Pte Ltd02:43 - What motivated you to stay in the franchising space for 20 years?04:29 - Introduction: Mr Gan Shee Wen, President, Franchising and Licensing Association (SG)06:19 - Why take on the franchise presidency despite your busy schedule?08:08 - Introduction: Mr Lee Shao Rong, Owner & F&B Entrepreneur, Supergreen08:39 - How did you get started, and what did it cost to enter the business?14:45 - What key trends are shaping the franchising space today?18:26 - How do you stay competitive and viable in a crowded CBD market?20:06 - Is your brand more affordable, and what’s the risk-reward trade-off?21:51 - How should one evaluate data trade-offs in modern franchise models?25:11 - How do you choose franchise locations to ensure business success?34:43 - What’s a fair expectation of brand reinvestment from franchisors?---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What if everything you’ve been told about success in Singapore is… optional?We sat with one of Singapore’s most talked-about new voices in personal finance and intentional living: 🐢 ContraTurtleWho is ContraTurtle?He’s not a trader. He’s not into get-rich-quick schemes. And no, that turtle mask he shows up in isn’t a gimmick – it’s a philosophy. Inspired by Charlie Munger and powered by AI (yes, really), ContraTurtle is on a mission to challenge the script: graduate, get a job, buy a condo, repeat.Tune in as he shares:- Why the "condo-and-car" script might not be your path to happiness.- How a shocking family loss led to a radical rethink of money and purpose.- The surprising connection between Charlie Munger, a scarecrow village, and finding your Ikigai.- ContraTurtle’s nine criteria for picking stocks—and why "lazy investing" could be your best strategy.- A glimpse into the future of tech investing (hint: it involves AI glasses and WhatsApp).This isn’t just about money. It’s about designing a life that’s truly yours — not one borrowed from your parents, your peers, or societal pressure.Listen now wherever you get your podcasts!#Investing #Singapore #Contrarian #Ikigai #Podcast---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterCheck out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

CPF suffers from a universal problem: Complexity.People either ignore it, misunderstand it, or build their 'financial house' on shaky ground..Get a peek behind the curtain from someone who not only helped design the CPF system but also manages his own daily finances (and CPF money) within it.Our guest is former Deputy CEO of CPF – Mr. Chin Heng Soh, who will share more on:- Why CPF is both a powerful foundation and a double-edged sword for Singaporeans.- The boring-but-brilliant investment strategy he swears by (hint: it’s not stocks!).- Critical gaps in healthcare/insurance planning most people overlook.- How to turn policy complexity into your advantage.Mr. Soh isn’t just a policy insider—he’s a counselor, financial trainer, and self-proclaimed "boring investor" who’s survived market chaos. He’ll show you how to simplify your financial life and achieve true independence—no jargon, just real talk.Tune in to find out if your money is working as hard as his!04:37 - Why did you choose to stay so long in CPF instead of rotating?09:18 - What drove CPF's shift to life policies, and are they still relevant?14:01 - How are you and your wife approaching IP plans and rider choices?18:18 - How do you plan your finances with CPF as part of the strategy?21:25 - How do you approach CPF investing given the low average returns?26:24 - How do you manage your mortgage, property, and OA together?31:49 - How do you manage income that isn’t part of the CPF system?33:37 - Why wouldn’t you fully invest your SRS funds for maximum returns?---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterCheck out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlistsDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What does it really take to walk away from a six-figure corporate career… at the peak of your professional game?Today’s guest did just that. He’s a digital marketing veteran turned financial rebel, founder of the Retire by 50 Platform… and he’s got a secret backup plan involving Cambodia.We dive into:🔸 The real reason he left — it wasn’t just burnout.🔸 How he structured his finances, insurance, and investments before quitting.🔸 A surprising property move in Cambodia — what was the thinking? Was it worth it?🔸 And the one thing most people don’t consider when planning a career break: what you’ll actually do with your time.Chris shares the emotional, financial, and practical layers of stepping off the treadmill — and why, for many, the 40s might be the last best chance to try something different.Tune in to hear a story that’s less about retiring early and more about designing a life that actually feels like yours.---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

From SG Budget Babe to Finance Mummy; Discover how Dawn evolved from extreme frugality to a smarter, life-centric approach to money—balancing career, family, and financial independence.Learn how she went from saving $20,000 on a $2K paycheck to building a million-dollar portfolio, an Amazon bestselling author of ‘Take Back Control of Your Money.’ And why does she say the system is designed to keep you broke.Why listen?Dawn’s no-nonsense wisdom cuts through the noise: “You don’t need a high salary to build wealth—you need a plan.” Whether you’re drowning in debt, juggling a side hustle, or ready to invest, her roadmap (detailed in her viral book) will change your life.Don’t miss this game-changing convo!#PersonalFinance #WealthBuilding---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Interest rates dropping? Markets volatile? Where do savvy investors park their cash now?Join host Reggie for a power-packed episode where we reveal:- Why private credit is becoming a go-to for investors seeking yield- How the Australian property market remains resilient despite global uncertainty- What makes real estate-backed loans a safer bet — and how you can get involved with as little as $1,000- Behind-the-scenes insights on risk management, underwriting, and why liquidity isn’t always kingWe’re diving deep into PRIVATE CREDIT – Wall Street’s best-kept income secret – with exclusive insights from:- Quah Kay Beng, CEO & Founder, BigFundr, a Singapore-based platform making real estate-backed private debt accessible to everyday investors- Meelan Gurung, Senior Director, Aspial Corporation, bringing deep expertise in real estate debt strategies- Craig Schloeffel, Head of HMC Private Credit, managing over $2 billion in private credit across Australia’s commercial real estate sectorYou’ll discover:- The shocking "1 million homes shortage" fueling Aussie property- How to tap 8-10% yields while banks pay peanuts- Real risk vs. reward decoded (no jargon!)Don’t miss this crash course in turning market chaos into cashflow!Sneak Peek: Craig reveals: "Developers are ditching banks over the ‘slow no’... and private lenders are stepping in FAST." Meelan Gurung: "My wife’s money’s in this – I don’t mess it up!”03:20 - What’s going on in the credit and bond markets right now?07:45 - What’s your take on recent fund flows in the credit markets?12:05 - What’s the house view on how individuals should assess private credit?22:49 - What’s a fair risk premium in the private credit space?26:24 - What’s driving Australian property prices to cross the $1 million mark?29:42 - How do you assess who to lend to, and what risk structures exist at the developer and builder levels?32:37 - Why should investors pay that 2% fee—what value or work justifies it?37:24 - Where does private credit fit in an average investor’s portfolio?40:26 - BigFundr.com40:39 - TFC Promo Code (valid from 10 July 2025 to 31 July 2025, T&C apply)---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What if you could retire decades earlier without a CEO’s salary? Meet Alex Lee—former insurance regulator, ex-CFO, and Chief Actuary— he’s the brains behind some of the most critical financial models in healthcare and insurance, and now, he’s spilling the tea on how he retired early without sacrificing security or happiness. He reveals:- The "F-You Money" Mindset: How living below his means gave him the courage to speak truth to power (and why it accelerated his career)- Insurance Secrets You’ve Never Heard: Why he SKIPS critical illness coverage (and what he buys instead)- The Real Cost of "Upgrading" Your Life: Why he still lives in an HDB flat despite peers flipping condos- Retirement Reimagined: His 3-phase "Plan A, B, C" strategy for working only on his termsThis episode pulls no punches: from calling out industry whistleblowing to explaining why "whole life insurance is a scam." Whether you’re dreaming of retiring early, curious about actuarial science, or just trying to live a smarter financial life, this conversation will give you serious food for thought.Get ready for radical honesty, actuarial math, and actionable strategies to build freedom—without the fluff.---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterCheck out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

What’s brewing in China’s $46 billion beverage market?From explosive IPOs to cutthroat competition, three giants are rewriting the rules of global F&B dominance. Are they sustainable growth stories or hype-fueled bubbles?Tune in as we decode:- How these brands scale thousands of stores faster than Starbucks while staying profitable?- Tech vs. Tradition: Why your next coffee order might be shaped by AI-driven loyalty apps—and how one company’s data game could outpace Domino’s- Global Ambitions: Can “affordable luxury” tea and $1 ice cream conquer Southeast Asia? We dissect their playbook for world domination- Investor Red Flags: Are margins a mirage? We reveal which brand’s strategy could backfire—and why chasing trends might sink even the hottest IPOsMeet the Experts:- Lee Kok How, Economist, Managing Partner AORA Group, who spills insights from his deep dives into China’s private education sector and viral business models- Willie Keng, Founder of DividendTitan, breaks down dividend stocks, supply chain wars, and why sugar (yes, sugar) might be the ultimate moatWhy listen? Whether you’re a caffeine addict, a franchise hopeful, or a China bull, this episode will change how you see the next Starbucks—or maybe the next MixueIs this the golden era of Chinese drinks—or the calm before the storm? Tune in to find out!#Investing #ChinaTech #BeverageWars #Podcast #Mixue #Luckin #Chagee---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterCheck out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Ever opened your hospital bill and felt your heart skip a beat? What if everyone paid the same price for healthcare—no copays, no deductibles, no loopholes? We’re diving into a plan that could flip Singapore’s healthcare system upside down… and the shockingly high stakes if we don’t act. You’ll not want to miss this one.Meet Dr. Paul Tambyah, infectious disease specialist, SDP candidate, and healthcare policy mastermind. He’s back in the studio to reveal:- Discover why Singapore’s ‘world-class’ medical expenses are the #4 cause of bankruptcy in Singapore- Why this system is quietly failing families- Would you trust a doctor who’s worked a 30-hour shift? The alarming truth about hospital working conditions- The profit-driven players hiking your premiums (It’s not who you think)- A bold blueprint to slash costs —but at what cost to jobs, innovation, and your choice of doctor?“If you’re paying $3,000 deductible for a cataract surgery, something’s broken.”From MediShield Life loopholes to ‘panel doctors’ gaming the system… from nurses fleeing to Dubai to AI threatening radiologists… this is the episode that connects the dots.Are you ready for a healthcare overhaul—or will fear of change keep us stuck?Don’t miss the debate shaking up Singapore’s future. Your health—and your wallet—might depend on it.---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Are you a freelancer struggling with inconsistent income and the fear of unexpected medical bills? Or maybe you're a parent juggling the financial demands of raising children and caring for aging parents?Join us for another TINFA episode (This Is Not Financial Advice), as they tackle YOUR burning questions about financial planning and insurance:Your favourite host, Reggie, aka Chief Financial CoconutDavid Wu, Minimalist in the City and Financial Coach, will be dissecting behavioural finance and how some emotions are costlier than you thinkEtak Chen Pei Shi, Private Wealth Consultant with over 20 years of experience, a mother of 3, and ready to share proactive strategies to shield your future that go beyond just basic coverageJohn, one-half of the Corporate Breakout Couple, and FIRE advocate, reveals how to ditch the rat race—without sacrificing securityWe'll explore:How freelancers can navigate insurance gaps and income fluctuationsWhy relying solely on corporate insurance might be a risky gambleThe importance of reviewing your insurance coverage as life changesPractical strategies for managing the financial strain of caregiving without sacrificing your family's futurePlus, Etak will introduce Prudential's PRUActive Crisis Guard, a term plan designed to provide affordable coverage for major illnesses, offering a safety net when you need it most.Don't miss this insightful and thought-provoking discussion for practical steps and real-world perspectives on securing your financial future.Disclaimer:You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance policy suitable to meet your needs. This is for your information only and does not consider your specific investment objectives, financial situation, or needs. We recommend that you seek advice from a Prudential Financial Representative before making a commitment to purchase a policy. The views and opinions expressed by the external speakers are solely those of the speaker and do not represent the views of Prudential Assurance Company Singapore (Pte) Limited. T&Cs apply. Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Ever wondered what it's really like to run a business in China? From surviving the early 2000s recession to building innovative platforms, learn how these two seasoned Singaporean entrepreneurs spent over a decade building their ventures in the world's second-largest economy. Expect raw, unfiltered insights about the real challenges, unexpected opportunities, and what it truly takes to succeed in China's fast-paced business environment.Guests:Roy Lin, Founder, GenTM—13 years in Shanghai, social entrepreneur focusing on connecting master tailors globallyKeith Ng, Founder, Emilica Homes—22 years in Kunshan—runs a furniture manufacturing business with 200+ employeesKey highlights from our conversation:The unexpected journey that turned a two-year China stint into a decade-plus adventureWhy some Singaporean entrepreneurs are still finding unprecedented opportunities in China's evolving economyRaw truths about running a business in China—from late-night negotiations to navigating complex regulationsA fascinating new venture to revolutionize the global tailoring industryCompelling insights about China's intense work culture and what it means for aspiring entrepreneursWhether you're an entrepreneur eyeing the Chinese market, curious about international business, or interested in understanding the real story behind China's economic transformation, this episode offers authentic perspectives from someone who's lived it firsthand.---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 May 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---00:54 Introducing Roy Lin, Founder of GenTM01:59 Introducing Keith Ng, Founder of Emilica Homes08:33 How affordable is the cost of living in Kunshan?16:48 Are the costs different or similar across the zones?22:38 Does the trade wars affecting the quality of life?24:38 How does the labor law works in China?29:28 With the difficulties of living in China, Why would you still stay?32:58 For the upcoming entrepreneur, how do you encourage them?36:18 Despite all the struggles, is it truly worth it?---Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Curious how Singapore’s annual Budget comes to life?Tune in as our hosts Reggie and Adrian, author of “No More Bosses,” dive deep with two top minds from the Ministry of Finance (MOF):- Lim Ming Jing (Director, Social Programmes) and- John Koh (Budget 2025 Director and concurrently Director, Security & Resilience Programmes)What’s in store?- Behind-the-scenes revelations on balancing immediate concerns (think CDC vouchers!) with longer-term nation-building.- Why vouchers over cash?- The story behind SkillsFuture’s evolution—and how your feedback shapes policies.- "Theory of Change": How ministries pitch ideas (and why some get funded while others don’t).- Candid takes on taxing wealth, ageing populations, and why your family’s income matters more than you think.Ming Jing and John pull back the curtain on the gritty realities of policy-making—from managing public concerns to competing global pressures. Whether you’re a policy nerd or just want to know where your tax dollars go, this episode is packed with aha moments you won’t hear anywhere else.Tune in for a masterclass in governance—and find out why even middle-class Singaporeans might rethink their gripes about the Budget.---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterCheck out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlistsDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.

Did you know your lifetime healthcare insurance could cost nearly a million dollars?Join special guests as they pull back the curtain on the jaw-dropping mechanics of Integrated Shield Plans:Alex Lee, Chief ActuaryDavid Wu, Minimalist in the City & Financial CoachEddy Cheong, CEO of HavendIn this episode, uncover:Why premiums keep skyrocketing — and the hidden "buffet syndrome" driving your costs up.The real impact of medical inflation and how it’s quietly draining your savings.Expert strategies to decide: Do you REALLY need that premium plan?A candid debate on public vs. private healthcare — is faster treatment worth the price tag?Eddie brings insider insights on conflict-free insurance advice, while Alex breaks down the actuarial secrets behind pricing and reserves."It’s not just insurance — it’s a climate change-level problem we’re creating for each other."Don’t miss this eye-opening deep dive into one of Singapore’s most pressing financial dilemmas. Whether you’re 25 or 65, this episode could save you hundreds of thousands in the long run.Tune in now — before your next premium renewal hits!---Unlock global business potential with WorldFirst:Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 May 2025). Dive into effortless global transactions today:🔗 Explore the World Card🔗 Claim Your USD100 Sign-up Bonus---Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut[Connect with us]InstagramTelegramWhatsappNewsletterDisclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.Help us get to know you better: http://bit.ly/thefinancialcoconut-survey Hosted on Acast. See acast.com/privacy for more information.