Curious how Singapore’s annual Budget comes to life?

Tune in as our hosts Reggie and Adrian, author of “No More Bosses,” dive deep with two top minds from the Ministry of Finance (MOF):

- Lim Ming Jing (Director, Social Programmes) and

- John Koh (Budget 2025 Director and concurrently Director, Security & Resilience Programmes)

What’s in store?

- Behind-the-scenes revelations on balancing immediate concerns (think CDC vouchers!) with longer-term nation-building.

- Why vouchers over cash?

- The story behind SkillsFuture’s evolution—and how your feedback shapes policies.

- "Theory of Change": How ministries pitch ideas (and why some get funded while others don’t).

- Candid takes on taxing wealth, ageing populations, and why your family’s income matters more than you think.

Ming Jing and John pull back the curtain on the gritty realities of policy-making—from managing public concerns to competing global pressures. Whether you’re a policy nerd or just want to know where your tax dollars go, this episode is packed with aha moments you won’t hear anywhere else.

Tune in for a masterclass in governance—and find out why even middle-class Singaporeans might rethink their gripes about the Budget.

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Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

Did you know your lifetime healthcare insurance could cost nearly a million dollars?

Join special guests as they pull back the curtain on the jaw-dropping mechanics of Integrated Shield Plans:

• Alex Lee, Chief Actuary
• David Wu, Minimalist in the City & Financial Coach
• Eddy Cheong, CEO of Havend

In this episode, uncover:

• Why premiums keep skyrocketing — and the hidden "buffet syndrome" driving your costs up.
• The real impact of medical inflation and how it’s quietly draining your savings.
• Expert strategies to decide: Do you REALLY need that premium plan?
• A candid debate on public vs. private healthcare — is faster treatment worth the price tag?

Eddie brings insider insights on conflict-free insurance advice, while Alex breaks down the actuarial secrets behind pricing and reserves.

"It’s not just insurance — it’s a climate change-level problem we’re creating for each other."

Don’t miss this eye-opening deep dive into one of Singapore’s most pressing financial dilemmas. Whether you’re 25 or 65, this episode could save you hundreds of thousands in the long run.

Tune in now — before your next premium renewal hits!

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Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

[Connect with us]

Instagram

Telegram

Whatsapp

Newsletter

Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

Are Singapore banks the golden ticket to bulletproof investing? Or is the ship sailing just as the storm clouds gather?

Join Reggie, your Chief Financial Coconut, and special guest Willie Keng—Founder of DividendTitan.com and a seasoned expert in dividend investing—as they crack open the vault on one of Singapore’s most debated topics: Should you invest in local banks?

What you can expect:

- The "3-6-3 Rule" that’s kept banks profitable for decades (hint: it’s not what you think).

- Critical metrics every investor MUST check before buying bank stocks (spoiler: deposits aren’t just for savings accounts).

- Why wealth management is quietly reshaping Singapore’s banking giants—and what it means for your portfolio.

- The red flags even seasoned investors miss when evaluating banks (think Lehman Brothers and Credit Suisse).

- Valuation secrets: Are Singapore banks overpriced? Willie reveals his surprising ranking of the "Big Three."

- Bonus: How Hong Kong and China’s financial turbulence could create hidden opportunities for savvy investors.

Willie breaks down complex banking strategies into bite-sized wisdom, while Reggie challenges him with hard-hitting questions. Whether you’re a dividend hunter or a growth seeker, this episode arms you with a framework to navigate banking stocks—without the jargon.

Banking on success? Tune in before the market closes the door.

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Unlock global business potential with WorldFirst:

Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!

Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 May 2025). Dive into effortless global transactions today:

🔗 Explore the World Card

🔗 Claim Your USD100 Sign-up Bonus

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03:43 - Can you explain how banks generate revenue?

06:38 - How do capital rules affect how much banks can lend and their risk?

19:11 - Besides loan interest, what other ways do banks make money today?

27:32 - How do you compare the three big banks for investment?

32:06 - How much does management quality matter when comparing these banks?

34:33 - What valuation range would you prefer for investing in local banks?

37:02 - Are there opportunities in the undervalued financial sector?

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Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.