Providend's Money Wisdom

Hosted by Providend Ltd

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197

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Oct 2026

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About the show

Weekly on Mondays at 8am, Providend’s Money Wisdom will share how you can gain clarity in your own “ikigai decisions” and make wise financial choices to support them. That, to us, is the essence of money wisdom and what we want you to take away from listening to our podcast. Also available in video format on YouTube weekly on Thursdays at 8pm. An original podcast produced by Providend Ltd. Do you have any feedback or questions? Reach out to us at communications@providend.com

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60 recent

October 26, 202639 min

AI vs Human Adviser: Who Do You Trust with Your Ageing Parents’ Future? (S5E35)

As AI tools like ChatGPT are increasingly capable, many have asked: Could AI truly replace a human wealth adviser? Being trusted advisers to our affluent clients for over two decades, this Providend series began with an article by our Client Advisers on clients navigating major life transitions. The podcast goes further, exploring the thoughts behind these transitions. In this podcast episode, Sean , Client Adviser at Providend, and our host, Isaac , unpack the emotional and financial challenges of caring for ageing parents through the case of Marcus, a 37-year-old only child earning $240,000 a year, whose parents are in their 70s with emerging chronic health conditions. They discuss the difficult balance between providing for his parents and planning for his own financial future. After all, planning for ageing parents is not just about allocating money, but also about understanding their wishes, preserving their dignity, and ensuring that wealth is passed on with genuine intention. To better understand the discussion, you may start by reading Sean's article here: Can AI Replace a Human Adviser When Planning for Ageing Parents? Music courtesy of ItsWatR. The host of this episode, Isaac Ong , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Subscribe to Our Newsletter Today! If you’re interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

October 19, 202646 min

The Investment Formula Every Investor Should Know: Alpha, Beta, Costs & Risk

Is beating the market really possible, or just a myth? In managing over S$1 billion worth of our clients’ assets, there is continuous monitoring in place to ensure that the funds in our portfolios are behaving as we would expect them to. To share deeper insights into how we manage investments beyond the basics, we’re pleased to launch a “Investment 201” video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, engages Dr Peng in conversations on more advanced investment topics, while still breaking them down into simple, practical insights for everyday investors. In this episode, Dr Peng shares with Isaac, his simple but profound investment formula: (alpha + beta – costs) + risk. He explains what alpha really means, why beta may matter more for most investors, and how hidden costs and real-world risks can quietly eat into returns. Most importantly, he explores what this formula means for you as an investor, and whether it can be applied to achieving your ikigai goals. Watch all five "Investment 201" videos here . At Providend, we believe it is more important to look at the reliability and sufficiency of your investment returns to meet your non-negotiable life goals and events, instead of wanting to maximise your returns and dealing with the uncertainties and risks that would entail. Find out why positive returns do not mean enough returns here . Learn more by reading our investment eBook titled " A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty ". Music courtesy of ItsWatR. The host of this episode, Isaac Ong , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

October 12, 202621 min

What If a 90% Retirement Success Rate Is Enough? (S5E34)

When it comes to retirement planning, the desire for certainty can make a more cautious plan seem like the obvious choice. But what if trying to eliminate every possibility of failure means you are saving too much, working too long, and leaving less room to enjoy the life you worked for? In this episode, Bryan Reginald Chan, Head of Solutions Team and Jia Ling Loi, Client Adviser, explore why chasing the last 5% or 10% of certainty may cost more than you think, why the word “failure” may not tell the full story, and how flexibility can be a form of retirement security all in itself. Bryan also reminds us that retirement planning is not about building a foolproof future. It is about understanding what matters most, knowing what is negotiable and what is not, and having the flexibility to adjust along the way. To understand the conversation better, you can begin with reading the article that inspired this episode here: Why Chasing a 100% Retirement Success Rate May Cost You More Than You Think Music courtesy of ItsWatR. The host of this episode, Loi Jia Ling , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Download Investment eBook Today! Download our Investment eBook titled “A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty” here: https://providend.com/publications/#investment

October 5, 202641 min

Is CPF LIFE Alone Enough for Retirement? (S5E33)

As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing close to S$2 billion of our clients’ hard-earned assets. In this week’s Money Wisdom episode, we continue our ‘The Brain Behind’ series, where our co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher , about his latest Business Times article, ‘Why the Best Annuity in Singapore Still Isn't Enough on Its Own’. In this conversation, Christopher unpacks the trade-offs between fully relying on CPF LIFE and building a more diversified retirement income plan using a combination of CPF LIFE, cash and private annuities. He also explores how private annuities can give retirees the flexibility and liquidity to retire earlier than 65 and protect their spouse's lifestyle in the event of their demise. To gain more perspective on today’s conversation, you may begin by reading Christopher’s Business Times article here . Music courtesy of ItsWatR. The host of this episode, Sudhan Purushothuman , is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Rate Our Podcast!

September 28, 202634 min

What If You Had to Sell Your Business Tomorrow? (S5E32)

If you had to sell your business tomorrow, would you know what it is really worth? For many business owners, their business is a significant part of their retirement plan. Yet its value and transferability can be affected by risks they may not have considered. Having clarity on where the business stands today can make all the difference when preparing for what comes next. In this episode, Jerome , Business Exit Special at Providend, shares with Ray , Senior Client Adviser, how he uses a three-step framework to guide business owners in identifying and mitigating common risks that could affect the value and transferability of their business. By addressing these areas early, business owners can prepare for any potential outcome and make decisions from a position of strength. Music courtesy of ItsWatR. The host of this episode, Ray Zheng , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here . Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Get Our Money Wisdom II Book Today! Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris’s book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

September 21, 202630 min

AI vs Human Adviser: Who Do You Trust When Your Health Changes Everything? (S5E31)

As AI tools like ChatGPT are increasingly capable, many have asked: Could AI truly replace a human wealth adviser? Being trusted advisers to our affluent clients for over two decades, this Providend series began with an article by our Client Advisers on clients navigating major life transitions. The podcast goes further, exploring the thoughts behind these transitions. In this podcast episode, Jia Ling , Client Adviser, and our host, Isaac , unpack a case of Elaine, 56, 56, a single mother of two adult children who was recently diagnosed with stage 4 breast cancer, requiring intensive treatment. For Elaine, the decisions she faces are not only about navigating her own financial future, but also about protecting the future she wants for her children. While AI can provide quick and sound recommendations, the prompts given may be incomplete, especially when clients are overwhelmed by a sudden health crisis, creating gaps in their overall wealth plan. They also explore the importance of having the accountability and guidance by human advisers to help clients put their plans into action as circumstances evolve. To better understand the discussion, you may start by reading Jia Ling's article here: Can AI Replace a Human Adviser During a Health Crisis? Music courtesy of ItsWatR. The host of this episode, Isaac Ong , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Subscribe to Our Newsletter Today! If you’re interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

September 14, 202634 min

What’s Really Happening in China? What You Need to Know About Its Economy

Having survived multiple market crises in our investment journey since 2001, we know what works and what won't work. To share deeper insights into how we manage investments beyond the basics, we’re pleased to launch a “Investment 201” video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, engages Dr Peng in conversations on more advanced investment topics, while still breaking them down into simple, practical insights for everyday investors. In this episode, Dr Peng and Isaac unpack the evolving situation in China: what’s driving recent economic trends, how policy decisions are reshaping its markets, and what this means for you as an investor. Watch all five "Investment 201" videos here . At Providend, we believe it is more important to look at the reliability and sufficiency of your investment returns to meet your non-negotiable life goals and events, instead of wanting to maximise your returns and dealing with the uncertainties and risks that would entail. Find out why positive returns do not mean enough returns here . Learn more by reading our investment eBook titled " A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty ". Music courtesy of ItsWatR. The host of this episode, Isaac Ong , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

September 7, 202626 min

Market Regimes Explained: Should You Change Your Investment Strategy? (S5E30)

Market regimes can sound like a technical concept reserved for economists and investment professionals. But what do they actually mean for investors? In this episode, Glenn , our Senior Portfolio Manager, joins Joyce , our Client Adviser, to unpack what market regimes are and looks at how different environments, from the COVID-19 pandemic and the inflation-driven rate hikes of 2022 to the AI-led rally, have shaped markets in recent years. They also explore why changing your portfolio every time the market regime changes may sound logical but is difficult to execute successfully and what investors should keep in mind as conditions evolve. To understand the conversation better, you can begin with reading the article that inspired this episode here: Market Regimes and What They Mean for Your Portfolio Music courtesy of ItsWatR. The host of this episode, Joyce Chng , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Download Investment eBook Today! Download our Investment eBook titled “A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty” here: https://providend.com/publications/#investment

August 31, 202624 min

Ikigai Insider: Finding Meaning and Value in Life (S5E29)

Welcome to the sixth episode of our miniseries Ikigai Insider, where we invite our Client Advisers to share what it means to live a good life, combining Ikigai with Providend's Philosophy of Sufficiency. In this podcast episode, Jit Hwee, our Client Adviser, reflects on the Ikigai petal of ‘Meaning & Value’ — what makes life worth living and how we can make the most of the journey. He shares how meaning comes from genuine human connections, shared experiences and the different roles he plays as a husband, son, son-in-law, father and Client Adviser. Together with our host, Jit Hwee explores why a fulfilling life is not necessarily found in financial success, career milestones or material possessions. He shares how being present for his family, helping his children discover their passions, and providing clarity to clients all give him a deeper sense of purpose. Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially, with your Ikigai goals at the forefront of your wealth plan. Music courtesy of ItsWatR. The host of this episode, Aaron Loo , is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm. Mentioned in this episode: Get Our Money Wisdom II Book Today! Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris’s book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

August 24, 202633 min

How Global Shifts Like Tariffs and Deglobalisation Impact Your Money and Investments

In managing over S$1 billion worth of our clients’ assets, there is continuous monitoring in place to ensure that the funds in our portfolios are behaving as we would expect them to. To share deeper insights into how we manage investments beyond the basics, we’re pleased to launch a “Investment 201” video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, engages Dr Peng in conversations on more advanced investment topics, while still breaking them down into simple, practical insights for everyday investors. In this episode, Dr Peng and Isaac discuss how tariffs and deglobalisation affect us as consumers, employees and investors. They also touch on national defence, the US dollar and market volatility, all with the aim of helping you understand how global developments may ripple through to your personal wealth goals, and what steps you can take next. Watch all five "Investment 201" videos here . At Providend, we believe it is more important to look at the reliability and sufficiency of your investment returns to meet your non-negotiable life goals and events, instead of wanting to maximise your returns and dealing with the uncertainties and risks that would entail. Find out why positive returns do not mean enough returns here . Learn more by reading our investment eBook titled " A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty ". Music courtesy of ItsWatR. The host of this episode, Isaac Ong , is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

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