BT Money Hacks: Is private equity finally opening up to regular investors?

For decades, private equity and private credit were invitation only clubs of high returns, high barriers, and no entry without serious capital.

But 2025 is different. Fund structures are evolving. Minimums are dropping. And Singapore regulators are starting to explore ways to let retail investors in.

In this episode of Money Hacks by The Business Times, host Howie Lim speaks with Ritesh Ganeriwal, managing director and head of Investments & Advisory at Syfe, to unpack what’s changed, what hasn’t, and how to navigate the noise.

Why Listen?

Because private credit is now a US$2 trillion market and it’s no longer just for institutions.

Because the barriers to entry may be lower, but the complexity? Still sky-high.

Because if you’re tempted by returns of 8–10%, you need to understand the lock-ups, the fee layers, and the liquidity traps first.

Because manager selection isn’t a bonus. It’s the whole ball game in an opaque market.

And because diversification is no longer just about stocks and bonds. The 60/40 portfolio is being reimagined, and private markets might be part of that future.

Whether you’re an accredited investor weighing your options or just curious about how the world of high finance is evolving, this episode gives you the tools to think critically without the jargon.

Listen to the full episode of Money Hacks now. Because democratising access sounds great, but knowing what you’re signing up for? That’s even better.

And if you’ve got thoughts or questions, host Howie Lim welcomes them at btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Ritesh Ganeriwal, managing director and head of investments and advisory at Syfe

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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