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The DollarsAndSense podcast brings you deeper conversation within the DollarsAndSense team. Join Dinesh Dayani and Timothy Ho for a weekly discussion on everything that matters to our wallets! If you enjoy reading our articles on DollarsAndSense.sg, we do hope you will enjoy listening to us on this podcast series as well.
42 Episodes
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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...
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 sto...
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...
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 a...
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 expectati...
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 th...
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 practic...
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 co...
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 ...
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 ...
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 Warr...
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...
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)...
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 ...
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. Travellin...
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 ...
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 fee...
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, unders...
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 workfo...
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. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingap...
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