The DollarsAndSense Podcast

Hosted by DollarsAndSense

Business News Daily

Website RSS feed

Episodes

Latest episode

Nov 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

60 recent

November 4, 2026Episode 6018 min

Does Gen Z Still Want To Be The Boss? | DollarsAndSense Podcast Ep60

A higher salary, a bigger title and a team to manage. Is that still what career success looks like? Tim and Agnes join Deanna and Charmaine from Chonnect for a candid discussion about how millennials and Gen Z approach work, ambition and leadership. From side hustles and finding fulfilment to choosing between more money and better work-life balance, they explore why climbing the corporate ladder may no longer be everyone’s goal. But if you don’t want to manage people, does that limit your career progression? And who will mentor the next generation? Would you take a promotion with more responsibility, or choose more time for yourself? Find out more aboout Chonnect: https://www.chonnect.com/ 00:00 Intro 00:28 Does Gen Z still want to be the boss? 01:37 Meet Deanna and Charmaine 02:22 Ticking every career box—and still feeling unfulfilled 03:40 Why the traditional career path is losing its appeal 05:08 “We want to manage our own life” 06:17 Side quests: giving up or finding fulfilment? 08:30 Is your job your identity? 11:14 More money or better work-life balance? 12:50 Should work-life balance wait until your 50s? 14:27 Is climbing the corporate ladder still worth it? 15:32 Can you progress without managing people? 17:37 Finding mentors outside your company 19:14 Redefining career success Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: https://www.instagram.com/agnesgohsl/ 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

October 28, 2026Episode 5928 min

Is Asia The Next Big Investment Opportunity? What You Might Be Missing | DollarsAndSense Podcast Ep59

Asia's stock markets have rallied. But could Asian equities actually be cheaper than they were a year ago? It sounds counterintuitive, but that's one of the interesting perspectives shared by UOB Asset Management's Paul, who explains how earnings growth, US dollar cycles and the valuation gap between Asian and US equities could shape Asia's next investment opportunity. With portfolios often centred on familiar US and Singapore stocks, what might investors be overlooking in Asia's evolving growth story? From Taiwan's semiconductor giants and China's AI developments to established dividend-paying companies across ASEAN, Asia offers more than one route to growth and income. In this episode, Timothy and Feng Yi speak with Paul and Shankar from UOB Asset Management about why investing in China isn't as straightforward as it seems, how AI-assisted research helps uncover opportunities across thousands of Asian stocks, and where the United Asia Fund, United Greater China Fund and UOBAM Ping An FTSE ASEAN Dividend Index ETF could fit into a diversified portfolio. The question isn't simply whether to invest in Asia, but which parts of Asia deserve a place in your portfolio. This podcast episode is proudly brought to you in collaboration with UOB Asset Management (UOBAM). 00:00 Intro 00:28 What Is Your Asia? 03:13 Why Look at Asia Now? 06:27 Different Markets, Different Opportunities 08:12 How AI and Human Expertise Help Pick Stocks 12:42 Understanding Your China Investment Options 20:40 Higher Prices, Cheaper Valuations? 21:41 Finding Dividend Opportunities in ASEAN 23:25 Where Does Asia Fit in Your Portfolio? 26:37 Common Investing Mistakes and Key Takeaways Read more: https://dollarsandsense.sg/growth-or-income-how-singapore-investors-can-get-the-best-of-both-worlds-when-investing-in-asia/ Disclamer: The information presented is based on certain assumptions, information and conditions available as at the date of publication and may be subject to change at any time without notice. Past performance of UOBAM or any fund managed by it, or any prediction, projection or forecast are not necessarily indicative of future or likely performance of UOBAM or any fund managed by it. The value of funds managed by UOBAM and any income from them may fall or rise. Investments are subject to risks, including the possible loss of the principal investment. For information on UOBAM and its funds awards, please refer to uobam.com.sg. This advertisement has not been reviewed by the Monetary Authority of Singapore. United Overseas Bank Limited Co. Reg. No. 193500026Z. #DollarsAndSense #InvestingInAsia #UOBAssetManagement Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: https://www.instagram.com/emceefeng/ 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

October 14, 2026Episode 5820 min

Is an Extra $1,000 a Month Worth Giving Up Your Free Time? | DollarsAndSense Podcast Ep58

Would you work an extra day every week for $1,000 more a month? That's an additional $12,000 a year. But is the extra income worth giving up your evenings, weekends or personal time? In this episode of the DollarsAndSense Podcast, Tim, Feng Yi and Deanna debate what it really takes to earn more — whether through side hustles, career progression or taking on additional responsibilities at work. Feng Yi shares the realities of juggling freelance hosting with a full-time job, while Deanna questions whether investing that same time into career growth could offer better long-term returns. They also discuss a $500 freelance project that took around 20 hours, the hidden costs of side hustles and whether employees with outside commitments are unfairly perceived as less dedicated. *What would you choose: more work for more money, or less pay for more free time?*

October 7, 2026Episode 5730 min

DCA vs Dynamic RSP: Which Investing Strategy Makes More Sense? | DollarsAndSense Podcast Ep57

If the market suddenly falls 20% or 30%, should you keep investing the same amount — or is that exactly when you should invest more? Dollar-cost averaging (DCA) is popular for a reason: invest a fixed amount regularly, stay disciplined and avoid trying to predict where markets are heading. But there’s an interesting limitation. If prices fall significantly, traditional DCA still tells you to invest the same amount. So, could there be a systematic way to buy more when markets are relatively cheaper — without relying on fear, greed or gut feeling? In this episode of the DollarsAndSense Podcast, we sit down with Chloe Lin from ArigatoInvestor to explore DCA, “buying the dip”, and Webull’s Dynamic Regular Savings Plan (Dynamic RSP), which adjusts how much you invest based on predetermined market conditions. We discuss: • Why DCA remains one of the simplest ways to build investing discipline • Why actually buying more during a market downturn can be psychologically difficult • How Dynamic RSP uses moving averages to adjust investment amounts • How a regular $500 investment could become $600 or even $1,000 as market conditions change • Whether this is really “timing the market” • The difference between using 120-, 250- and 300-day moving averages • Why the underlying investment matters more than the investing strategy itself • Why ETFs may be more suitable than individual stocks for this type of long-term strategy • The cash-flow risk investors need to consider before setting up Dynamic RSP • When traditional DCA may still be the better choice Chloe also shares a 25-year backtest comparing regular monthly investing with Dynamic RSP, and why changing how much you invest during different market conditions could make a difference over a long investment horizon. Ultimately, the best investing strategy isn’t necessarily the most sophisticated one. It’s the one you understand, can afford, and can consistently stick with. This episode is brought to you in collaboration with Webull Singapore. Ready to start investing? Open a Webull trading account via Singpass and access the US, Hong Kong and China markets, along with a range of investing tools and features. 👉 Open a Webull account and check out the latest offers here: https://dollarsandsense.link/webull

September 23, 2026Episode 5618 min

Does Zero-Commission Investing Make It Easier To Stay Invested?| DollarsAndSense Podcast Ep56

With US markets experiencing sharp swings, how can investors build their portfolios while managing volatility and keeping trading costs low? In this episode of the DollarsAndSense Podcast, host Feng Yi speaks with Vik, Director and Head, Securities Retail Sales at Phillip Securities, about navigating market volatility, dollar-cost averaging, and how zero-commission investing can help investors build their portfolios more cost-efficiently. We also explore the POEMS Cash Plus account, which offers zero commission and zero platform fees for US stock trading, and discuss how investors can evaluate trading costs alongside other factors when making investment decisions. From buying the dip to managing US dividend withholding tax, discover practical insights to help you make more informed investment decisions. Explore zero-commission US stock trading with the POEMS Cash Plus account. 👉 Learn more about POEMS: https://www.poems.com.sg/stock-research/] 👉 Open a POEMS account: [https://www.poems.com.sg/cash-plus/] Disclaimer This material is provided to you for general information only and does not constitute an investment advice, a recommendation, an offer or solicitation to subscribe for, purchase, sell or redeem any investment product or services mentioned herein. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs. Any views or opinions are personal and expression of belief, information may be obtained from public sources which the Company has no reason to believe are unreliable and is subject to changes. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or damages of any kind arising whether directly or indirectly as a result of your reliance or acting based on this information. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of units in any fund and the income from them may fall as well as rise. You should obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase the investment product or obtain any of the services mentioned herein. In the event you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product or services are suitable for you before proceeding to invest. This advertisement has not been reviewed by the Monetary Authority of Singapore. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: https://www.instagram.com/emceefeng/ 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

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 SGX 03:37 What exactly is an SDR? 04:47 Do SDR investors own the underlying shares? 05:43 Understanding conversion ratios 06:39 How an SDR price is calculated 07:32 Why investors may choose SDRs 08:39 Comparing the total cost of investing 09:57 SDR liquidity versus overseas shares 11:01 How Singapore investors are using SDRs 12:40 Why Singapore-dollar trading still has FX risk 13:23 Bite-sized investing and position sizing 16:09 Diversifying beyond Singapore sectors 17:29 Evaluating SpaceX, Sea and Grab as investments 20:50 How retail investors are using SDRs 22:05 SDRs versus investing directly overseas 23:01 The risks investors should understand 25:43 When might an SDR be worth considering? Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-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 Introduction 03:25 What Is CFD Trading? 04:18 Common Misconceptions About CFDs 05:36 Why Do Traders Use CFDs? 10:28 Using CFDs For Short-Term Trading 14:46 How Leverage Works In CFD Trading 16:18 Accessing Global Markets And Going Long Or Short 20:05 The Biggest Risks Of CFD Trading 22:23 Practical Risk Management Strategies 27:29 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/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-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/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-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/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’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 year Whether 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/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter