personal finance

Beyond the index: how active ETFs offer adaptability in volatile markets

Is passive investing a Trojan horse? Index funds now pose an extreme concentration risk. What should you do, then?

From left: Amarjit Kaur of Withers Khattarwong; Anurag Garg of Michael Page Singapore; and Howie Lim, correspondent, The Business Times.

Navigate job market caution; secure higher salary bumps

Considering a job change? Legal experts cover contract risks like clawbacks and non-compete clauses.

When a patient is unsure of how soon they can see a doctor, or whether a visit will cost S$200 or S$2,000, they will not have the confidence to seek the care they need, says the writer.
THE BROAD VIEW

Top-tier healthcare is within reach. Why do Singaporeans still hesitate?

Confidence in the system is what moves patients from a reactive to a proactive approach to their healthcare

What signals suggest that hidden concentration may be building over time?

Familiarity: portfolio’s silent risk, hidden concentration builds

Is comfort trapping your portfolio? Howie Lim learns to spot subtle shared risk drivers beyond sectors and adopt measured strategies for trimming concentrated positions.

How do we recognise and realise “technology alpha”: the outsized returns generated by tech-driven investments?

Tech alpha: why adoption and R&D matter more than P/E

What is Big Tech risk? How can we identify true game-changers amidst hype, and navigating the volatility of AI, geopolitics, and regulation? Howie Lim finds out.

For professionals, having children may involve high direct and indirect costs. But there are also unique rewards, says the writer.
SENSE & CENTS

Having a child can be a financial mistake, but that’s okay

The costs of raising kids are high, and parents’ employability may suffer

What are the risks or uncertainties investors should be mindful of when investing around policy-driven growth themes?

Policy to portfolio?

How will national priorities like AI and advanced manufacturing inform investment strategies? Howie Lim finds out.

In a high-cost, high-expectation society like Singapore, even high earners are not immune to insecurity, says the writer.

In Singapore, ‘Henry’ also worries about retiring with enough

The country’s ‘high earners but not rich yet’ are not immune to financial insecurity

In Singapore, women can expect to live four years longer than men, according to the Department of Statistics.
MONEY MATTERS

Mastering long-term wealth for women

This International Women’s Day (Mar 8), let’s close the gender gap in financial literacy and wellness