Investing discipline in the age of algorithms

Artificial intelligence (AI) is everywhere in markets right now. From trade signals to instant research summaries, retail investors are being told they can crunch more data, move faster and perhaps even trade smarter than ever before. It sounds like a silver bullet. But is it?

In Money Hacks, a podcast from The Business Times, host Howie Lim sits down with Philip Waters, head of Asia-Pacific and emerging markets at OANDA, to separate promise from hype. If AI removes barriers to entry and democratises knowledge, what stubbornly human weaknesses still trip investors up? And if everyone is using the same tools, does the edge simply vanish?

Why listen

• AI is not a silver bullet It can process data at hyperspeed, but it cannot fix impatience, overconfidence or poor risk limits.

• Consultant, not boss Used well, AI sharpens analysis and learning. Used blindly, it amplifies FOMO and meddling.

• Your 2026 checklist Define risk. Set hard controls. Stay adaptable. Let AI assist but keep your hands on the wheel.

The conversation moves beyond retail hype to market structure, volatility and the possibility of sharper mean reversions in an AI-amplified environment.

For 2026, Waters lays out a practical checklist because technology is evolving quickly and investors must adapt or risk making mistakes they might not be able to afford.

If you are using AI to invest, or thinking about it, this episode of Money Hacks is less about chasing speed and more about protecting capital in an age of algorithms. Listen Now.

Money Hacks is the flagship personal finance podcast from The Business Times. Catch past episodes at bt.sg/podcasts. Have a burning question or episode idea? Email the team at btpodcasts@sph.com.sg.

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

With Philip Waters, head of Asia-Pacific and emerging markets, OANDA

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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Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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