The DollarsAndSense Podcast

Hosted by DollarsAndSense

Business News DailyInterviews guests

Website RSS feed

Episodes

Latest episode

Jun 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

52 recent

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

January 28, 2026Episode 4732 min

Housing, Retirement & Healthcare: How Much Do You REALLY Need?| DollarsAndSense Podcast Ep47

Buying a home is just the start.How you plan for housing affects your retirement — and even your healthcare later in life.In this episode, we break down the real numbers behind housing affordability, retirement payouts, and healthcare costs in Singapore, using CPF planners to show what’s realistic — and what many people overlook.Many thanks to CPF Board for sponsoring this episode.The discussion features CPF’s official planning tools to help Singaporeans better understand housing, retirement and healthcare planning. Check out the various handy planning tools here: https://www.cpf.gov.sg/member/plan-with-cpfRead more: https://dollarsandsense.sg/retirement-health-insurance-home-ownership-cpf-planner-tools-financial-decisions/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

December 24, 2025Episode 4617 min

Should You Get a Personal Accident Insurance Plan? | DollarsAndSense Podcast Ep46

Most of us already have insurance like MediShield Life, life insurance, or critical illness plans. But what about all the other common accidents and injuries that don’t require hospitalisation, sprains, falls, sports injuries, food poisoning, dengue, or even a quick A&E visit?In this episode, we explore the often-overlooked Personal Accident (PA) Plan, and why it can be an important complement to your existing coverage. We also look at how My GREAT PA Plan from OCBC provides medical reimbursements, hospital cash payouts, and even coverage for specific sicknesses — all from as little as $0.84 a day.Whether you’re active, travel often, or just want peace of mind, this episode explains why a PA plan might be worth considering.Underwritten by Great Eastern Life Assurance Company Limited, a wholly owned subsidiary of Great Eastern Holdings Limited, part of the OCBC Group. This plan is not a bank deposit and OCBC Bank does not guarantee or have any obligations in connection with it.This document does not take into account your particular investment and protection aims, financial situation or needs. You may want to seek advice from a financial adviser before committing to buy the product. If you choose not to seek advice from a financial adviser, you should consider whether the product is suitable for you.You may terminate the policy during the free-look period (if any) if you decide that the purchased policy is not suitable for you. Note that by doing so, the insurer may recover from you any underwriting expense incurred. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.This document is for general information only. It is not a contract of insurance or an offer to buy an insurance product or service. It is also not meant to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. If you are interested in the insurance policy, you should read the product summary and policy illustration (available from us) before deciding whether to buy this product.We do not guarantee, represent or warrant that any of the information provided in this document is accurate and you should not rely on it as such. We do not undertake to update the information or to correct any inaccuracies.All information may change without notice. We will not be liable for any loss or damage arising directly or indirectly in connection with or as a result of you acting on the information in this document.This advertisement has not been reviewed by the Monetary Authority of Singapore.Policy Owner’s Protection SchemeThis policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg)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

December 17, 2025Episode 4522 min

From Student To Adulting: How To Manage Money Without Feeling Broke | DollarsAndSense Podcast Ep45

Fresh grads — you’ve got your first job, first pay cheque… and a ton of questions about how to manage it all.For this special episode recorded at the Global Shapers x National Youth Council “Future of Finance” event, Deanna Lim, Partner at DollarsAndSense, hosts the podcast with Hazelle Soon, Co-Founder and Chief Trainer at The Joyful Investors. Both were panellists at the event later that evening, sharing insights on building the right money mindset, from saving intentionally and avoiding lifestyle traps to investing even with a small budget.This episode is proudly brought to you in collaboration with National Youth Council (NYC), MoneySense and Global Shapers Community Singapore Hub.NYC is all about empowering youths to pursue their passions by partnering with them and providing opportunities for them to get involved in shaping Singapore’s future. You can do your part through the SG Youth Plan.SG Youth Plan: https://www.youthplan.gov.sg/MoneySense: https://www.moneysense.gov.sg/The Joyful Investors: https://thejoyfulinvestors.com/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

December 13, 2025Episode 4411 min

Behind Singapore’s Biggest Personal Finance Festival | DollarsAndSense Podcast Ep44

Talking about money doesn’t have to be intimidating, and the Seedly Personal Finance Festival proves it. Recorded live at Marina Bay Sands during the 2025 edition of Singapore’s largest personal finance event, this episode of the DollarsAndSense Podcast goes behind the scenes with Rohit and Ayush from the MoneyHero team.We unpack what it really takes to organise a 5,000-person finance festival, from managing last-minute date changes due to the general elections to coordinating over 70 speakers and 35 financial brands. The conversation also explores why localisation matters, how finance content is made relatable to everyday Singaporeans, and what makes people show up early on a Saturday to learn about money.Plus, we dive into the future of the Personal Finance Festival — potential expansion into new markets, the idea of smaller thematic events, and how community-driven financial education continues to evolve.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

December 10, 2025Episode 4322 min

Why Financial Planning Is So Much Harder for Platform Workers | DollarsAndSense Podcast Ep43

Being a platform worker in Singapore isn’t easy. One week you’re earning well, the next week your income dips. No paid leave. No employer CPF. No buffer. And when it comes to planning for your home, healthcare and retirement, it often feels like you’re running an uphill race.From 1 January 2025, the new Platform Workers Act marks one of the biggest shifts for this group — introducing mandatory CPF contributions, platform-operator co-payment and government transition support. It’s a structural change that could redefine what long-term security looks like for platform workers in Singapore.In this episode, we explore why financial planning has historically been harder for the gig workforce, how CPF fits into that picture, and what the latest changes mean not just for take-home pay but for the future you’re building. We also look at how younger and older workers experience these changes differently, and the subtle trade-offs that come with the new system.This is a conversation about work, security and the evolving shape of the gig economy and how the CPF reforms may finally help platform workers close the gap.This episode is brought to you in collaboration with CPF.Find out more on Platform Workers CPF Transition Support (PCTS) scheme here : cpf.gov.sg/PCTSDNSFind out more on Workfare Income Supplement (WIS) scheme here : cpf.gov.sg/WISDNSFollow 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