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The DollarsAndSense Podcast

The DollarsAndSense Podcast

Hosted by DollarsAndSense

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Episodes

57

Latest episode

Aug 2026

Language

EN-US

About the show

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.

Listen to episodes

57 recent
August 12, 2026Episode 5527 min

US SDRs Explained: Investing Beyond Singapore Through SGX | DollarsAndSense Podcast Ep55

Singapore investors may know SGX for local stocks, but Singapore Depository Receipts (SDRs) offer access to selected overseas-listed companies while still trading in Singapore dollars during SGX market hours.In this episode of the DollarsAndSense Podcast, Feng Yi and Deanna speak with Bernice, SGX’s product manager for SDRs, and Han Hui, a trading representative from UOB Kehian, to explain how SDRs work and where they may fit in a portfolio.They explain what investors actually own, how pricing and conversion ratios work, and how liquidity compares with buying overseas directly, including why trading in SGD does not remove foreign exchange risk. The discussion also explores how SDRs can help diversify into sectors less represented in Singapore. A key takeaway is that being familiar with companies like Grab or Sea as a user is very different from evaluating them as investments, which still requires assessing business models, growth, risks and valuation.Bernice and Han Hui also share when SDRs may be useful, and when investing directly overseas may still be more appropriate.Watch this episode for a clear breakdown of SDRs, the trade-offs involved, and what investors should consider before adding them to a portfolio.00:35 Investing beyond Singapore through SGX03:37 What exactly is an SDR?04:47 Do SDR investors own the underlying shares?05:43 Understanding conversion ratios06:39 How an SDR price is calculated07:32 Why investors may choose SDRs08:39 Comparing the total cost of investing09:57 SDR liquidity versus overseas shares11:01 How Singapore investors are using SDRs12:40 Why Singapore-dollar trading still has FX risk13:23 Bite-sized investing and position sizing16:09 Diversifying beyond Singapore sectors17:29 Evaluating SpaceX, Sea and Grab as investments20:50 How retail investors are using SDRs22:05 SDRs versus investing directly overseas23:01 The risks investors should understand25:43 When might an SDR be worth considering?Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/🎧 Listen to our podcast on Spotify:https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: https://www.instagram.com/emceefeng/https://www.instagram.com/deedeelsm/📩 Don't forget to subscribe to our e-newsletter for the latest updates:https://dollarsandsensesg.link/dollarsandsensenewsletter

August 5, 2026Episode 229 min

CFD Trading Explained: How It Works And What Can Go Wrong | DollarsAndSense Markets S2 E2

CFDs allow traders to take advantage of short-term market movements, whether prices are rising or falling. They can also be used to access global markets, trade with leverage or hedge an existing investment portfolio.However, CFD trading is very different from long-term investing. While leverage can give you greater market exposure with less upfront capital, it can also amplify your losses when a trade moves against you.In this episode of DollarsAndSense Markets, Alex Furber, Head of Client Engagement at Maybank Securities, explains how CFD trading works, why traders use it and the risks that investors need to understand.We also discuss going long and short, trading around market news, managing margin calls and why discipline may be more important than correctly predicting every trade.CFDs can be a useful tool, but they should never be treated as a shortcut to making quick money.00:00 Introduction03:25 What Is CFD Trading?04:18 Common Misconceptions About CFDs05:36 Why Do Traders Use CFDs?10:28 Using CFDs For Short-Term Trading14:46 How Leverage Works In CFD Trading16:18 Accessing Global Markets And Going Long Or Short20:05 The Biggest Risks Of CFD Trading22:23 Practical Risk Management Strategies27:29 Who Is CFD Trading Suitable For?This Markets season is proudly brought to you in collaboration with Maybank Securities.Disclaimer: This advertisement has not been reviewed by the Monetary Authority of Singapore. 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.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/🎧 Listen to our podcast on Spotify:https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: https://www.instagram.com/emceefeng/📩 Don't forget to subscribe to our e-newsletter for the latest updates:https://dollarsandsensesg.link/dollarsandsensenewsletter

July 29, 2026Episode 5414 min

Can You Recover From Life’s Biggest Setback? | DollarsAndSense Podcast Ep54

Having insurance does not automatically mean you are adequately protected.A serious illness, accident, loss of income, or unexpected family situation can change your finances overnight. The key question is whether your coverage can support you and your dependants when it matters most.Recorded on-site at InsureXpo by CIMB 2026, host Deanna Lim and Helen Shen from Singlife discuss common protection gaps in Singapore, why insurance should work alongside wealth building, and how caregiving for ageing parents can create both emotional and financial strain.Helen also shares how to review multiple policies, understand exclusions, and build protection step by step even on a tight budget.In this episode, we explore why people delay protection planning, the false sense of security from simply owning policies, and how a parent’s health crisis can impact the whole family. We also cover key questions to ask your adviser, the importance of reviewing older policies, sufficient medical and hospitalisation coverage, and how insurance supports long-term financial resilience. Finally, we discuss how to start small and three simple protection checks to do this year.The goal is not to own more policies, but to ensure your coverage matches your life stage, responsibilities, and financial priorities.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/🎧 Listen to our podcast on Spotify:https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: Deanna Lim https://www.instagram.com/deedeelsm?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==📩 Don't forget to subscribe to our e-newsletter for the latest updates:https://dollarsandsensesg.link/dollarsandsensenewsletter

July 2, 2026Episode 5322 min

How to Build Financial Freedom Without Chasing Millions | DollarsAndSense Podcast Ep53

How much money do you really need to retire comfortably in Singapore? Is the famous $1 million retirement goal realistic, or should you be focusing on something else?In this special episode of the DollarsAndSense Podcast, filmed live at **InsureXpo by CIMB 2026, we sit down with Prof Sharon Ng to discuss what financial independence actually means—and why retirement planning isn't just about hitting one magic number.In this episode, we cover whether $1 million is enough for retirement, how to calculate your own retirement needs, why financial independence looks different for everyone, common retirement planning mistakes, the importance of insurance and protecting your financial future, habits that help you build long-term financial security, and the "Sleep Test", a simple way to know if you're financially prepared.Whether you're just starting your career or already planning for retirement, this conversation offers practical insights to help you build lasting financial confidence.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: Feng Yi https://www.instagram.com/emceefengDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

June 17, 2026Episode 5211 min

The Secret to Investing Through Uncertain Markets | DollarsAndSense Podcast Ep52

Market volatility can be uncomfortable, but it's also a normal part of investing.In this special episode of the DollarsAndSense Podcast, recorded live at InsureXpo 2026 by CIMB, we speak with Diana Teo, Team Lead, Equities at CIMB Chief Investment Office, about how investors can stay disciplined when markets become uncertain.We discuss why emotions often become the biggest obstacle to long-term investing, how investors can distinguish between rational decisions and fear-driven reactions, and why having a clear investment plan matters before market volatility strikes. Diana also shares practical insights on diversification, portfolio resilience, and the investing habits that can help investors stay focused on their financial goals.In this episode:• Why volatility is a normal feature of markets• How fear and emotions can hurt investment returns• The importance of diversification and portfolio discipline• How to avoid getting distracted by market headlines• Why consistency often beats trying to time the market• 3 investing fitness checks every investor should do this yearWhether you're investing for retirement, financial independence, or long-term wealth building, this conversation offers practical strategies to help you stay focused when markets become challenging.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: Feng Yi https://www.instagram.com/emceefengDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

June 10, 2026Episode 5124 min

$900 Million Lost To Scams: Why Singaporeans Are Prime Targets | DollarsAndSense Podcast Ep51

Scams are becoming more sophisticated and Singaporeans are attractive targets because of our savings, digital habits and trust in official communications.In this episode of the DollarsAndSense Podcast, Feng Yi and Timothy discuss why scam and cybercrime remain a major concern in Singapore, why seniors may be especially vulnerable to high-value losses, and how different age groups are targeted through different scam tactics.We cover:- Investment scams promising low risk and high returns- Government impersonation scams involving CPF, Singpass and alleged investigations- Why scammers use urgency, fear and authority to pressure victims- How AI-generated voices, faces and messages can make scams harder to spot- CPF safeguards, including daily withdrawal limits, the CPF Withdrawal Lock, - Trusted Contact Notification Service and CPF Safety Switch- How ScamShield and simple digital habits can help protect you and your loved onesOne important reminder: never make a financial decision because someone on the phone or in a message is pressuring you to act immediately. Pause, verify through official channels, and speak to someone you trust before transferring money or sharing personal information.Share this episode with your parents, grandparents and loved ones. Staying informed is one of the best ways to protect the people around us.This podcast episode is brought to you in collaboration with CPF.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

June 6, 2026Episode 5022 min

Mr. Loo: From 1M65 to 10M65 | Is $10 Million Really Possible? | DollarsAndSense Podcast Ep50

Can ordinary Singaporeans really build $10 million by age 65?In this special episode of the DollarsAndSense Podcast, recorded live at InsureXpo 2026 by CIMB, we sit down with Mr Loo Cheng Chuan, founder of the 1M65 movement, to discuss his latest and most ambitious idea yet: 10M65.When 1M65 was first introduced, many people believed it was impossible. Today, countless Singaporeans have embraced the concept of using CPF strategically to build retirement wealth. Now, Mr. Loo is raising the bar again, from $1 million to $10 million by age 65.We discuss whether 10M65 is a realistic goal for ordinary Singaporeans, how CPF and SRS fit into the strategy, why he believes in investing during market crashes, and his controversial views on property upgrading, retirement planning, and long-term wealth building.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

April 1, 2026Episode 124 min

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

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.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: Feng Yi https://www.instagram.com/emceefengDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

March 18, 2026Episode 4920 min

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

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 overlookSo… 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!Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbCo-host: Feng Yi https://www.instagram.com/emceefengDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

February 28, 2026Episode 4832 min

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

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.pageDisclaimer -• 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.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

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