personal finance

Liquidity vs Legacy: Retirement planning for SME owners

SME owners often risk personal wealth, betting on a business sale for retirement. Is your business your biggest asset, yet a poor retirement plan? Howie Lim discusses this with Grace Tay from finexis ...

SkillsFuture credits can be used to pay for approved courses. One way to maximise the credits is to stack it with other funding.
MONEY MATTERS

Taking stock of finances before 2025 ends

Six areas to look into when reviewing money decisions

Along with China’s WeChat Pay and Alipay, the wallets collectively represent a total user base of up to 2.7 billion.

OCBC app adds 8 digital wallets from across South-east Asia

The bank aims to connect customers with 50 wallets worldwide in the long-term

Timothy Liew, head of investments, wealth management, OCBC (left) and Howie Lim, podcast correspondent, The Business Times (right).

Why a wealth manager started a portfolio for his 6-month-old

Raising kids, supporting parents, and surviving volatile markets. OCBC’s Timothy Liew joins Howie Lim to share real investing lessons for the sandwich generation.

How do we figure out if we’re under or over insured?

Prudent planning, protected pockets

Combat inflation's impact on savings by "right-siting" your insurance. Howie Lim discusses this with Chan Wai Kit from Life Insurance Association (LIA).

Living an increasingly long life raises the risks that one runs out of money.
SENSE & CENTS

Learning to cope financially with the longevity ‘curse’

Live beyond 100? Inflation can be ruinous, timing when to run down capital gets tricky, and taxes could rise

What specific financial products or investment strategies are best suited for those aiming for a mini-retirement?

Project You: How to fund your mini-retirement

Learn how to plan, fund, and navigate strategic career breaks from experts and turn financial fears into self-investment.

A declining interest rate environment often signals a prime opportunity for mortgage refinancing.
MONEY MATTERS

Shifting gears: Navigating the new normal of falling interest rates

While returns on savings dip, yields on risk assets may grow. It’s time to adjust your investments and finances

How can individuals effectively differentiate between "enjoyment spending" and "security building" in a practical sense?

Breaking the paycheck-to-paycheck cycle

Can a strong work ethic break the paycheck-to-paycheck cycle? Many Singaporeans prioritise instant gratification over financial security. Explore automated strategies with Benjamin Tan from Chocolate ...

It should be a pleasure to give money to one’s parents, just as it was a joy to receive it from them when one was a child, says the writer.
LETTER TO THE EDITOR

Give willingly, not out of duty

THE question posed in The Business Times’ article “Do we owe our parents a monthly allowance?” (Oct 27) does not always have a binary answer.