Structured notes promise yield, flexibility, and even capital protection — but are they right for your portfolio?

Host Genevieve Cua speaks with Franck Fayard from Marex to unpack how these complex instruments work, when they make sense, and what to watch out for.

From crypto-linked notes to capital protected strategies, this episode explores how structured notes can be used tactically — if you understand the trade-offs.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:52 What are structured notes

05:02 Market factors influencing note pricing

08:33 Unwinding structured notes

11:04 Crypto-linked structured notes

Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Franck Fayard, APAC head of Marex Financial Products, Marex Solutions

Edited by: Howie Lim & Claressa Monteiro

Produced by: Genevieve Cua & Howie Lim

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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When we hear "legacy planning," most of us think of wills, trusts, and financial assets. But what if true legacy is about much more than money?

In this episode of WealthBT, host Genevieve Cua speaks with Christopher Tan, CEO of Providend, about how legacy planning is really about values, identity, and intention. From common mistakes wealthy parents make, to the power of a heartfelt letter of wishes, this conversation will challenge you to rethink what it means to leave something meaningful behind.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:08 What is legacy planning

04:47 Drafting a letter of wishes

07:46 Common mistakes of wealthy parents

11:49 How parents can prepare their children for inheritance

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Christopher Tan, chief executive officer, Providend

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua, Emily Liu & Chai Pei Chieh

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

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Channel: bt.sg/btcobt

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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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BT Money Hacks: bt.sg/btmoneyhacks

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Sell America, some said. Don’t buy the dip, others said.

Thanks to US President Donald Trump’s tariff policies, investment advice have popped up left and right in the media.

But don’t panic just yet, according to Dr Wei Dai, head of research and vice president at Dimensional Fund Advisors.

In this episode, host Genevieve Cua sits down with Dr Dai to explain why you should avoid making knee-jerk reactions based on news and focus on long-term investment strategies instead.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:23 How bad are the tariffs?

04:27 Dealing with higher volatility

08:28 Lessons from the bond market

11:47 Is US exceptionalism dead?

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Dr Wei Dai, head of research and vice president, Dimensional Fund Advisors

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua, Emily Liu & Chai Pei Chieh

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

---

Follow BT Correspondents:

Channel: bt.sg/btcobt

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Website: bt.sg/btcorresp

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.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

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With an escalating trade war, markets have been very volatile recently. And that’s scary. What should we do in times like this?

In the latest episode of WealthBT, Genevieve Cua sits down with Steve Brice, global chief investment officer of Standard Chartered bank for some advice.

Steve shares his personal investment blunders, the lessons he's learned, and expert advice on how to handle market volatility to achieve your long-term financial goals.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:52 Steve’s investment journey

03:44 Common investment mistakes

06:42 How bad are the tariffs for markets?

09:19 Plan for a long life after retirement

12:56 Overcoming the negativity bias

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Steve Brice, global chief investment officer, Standard Chartered Bank

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua, Emily Liu & Chai Pei Chieh

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

---

Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

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Website: bt.sg/btcorresp

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.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

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Investment-linked insurance plans, or ILPs, are often touted for their dual benefits of protection and investment returns. But do they live up to the claim?

In this episode, Genevieve Cua, wealth editor of The Business Times, unravels the five common misconceptions about ILPs. Learn about their high costs, and find out if they truly offer the protection and investment returns they may promise.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:56 Capital guaranteed upon death?

03:45 ILPs’ many fees

05:04 Do ILPs really protect you?

06:10 How much return do ILPs offer?

06:50 Should you buy an ILP?

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Genevieve Cua (gen@sph.com.sg)

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua, Emily Liu & Chai Pei Chieh

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

---

Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

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Website: bt.sg/btcorresp

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.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

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Last year, MediShield Life went through a review, with big changes about to kick in this year.

But the largest impact might come from a technicality that many of us might not be familiar with: the pro-ration factor.

In this episode of WealthBT, host Genevieve Cua sits down with Alex Lee, president of the Singapore Actuarial Society, to explain the ins and outs of pro-ration, and unpack what these new changes mean for your financial stability and healthcare coverage.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:41 What is pro-ration?

04:00 Why are pro-ration factors being adjusted now?

05:21 Are insurance companies to blame?

09:10 Will IP premiums rise?

12:45 How to better protect yourself?

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Alex Lee, president, Singapore Actuarial Society

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua, Emily Liu & Chai Pei Chieh

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

---

Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

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Website: bt.sg/btcorresp

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.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

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BT Market Focus: bt.sg/btmktfocus

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See omnystudio.com/listener for privacy information.

Markets will do what they do in 2025, but there are ways to help you stay on an even keel.

Genevieve Cua sets out things you can anticipate in terms of returns, and trends in rates and inflation, including healthcare. Plus chalking up more in savings to maximise what the CPF can eventually pay you in retirement savings for life.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:16 What’s a realistic outlook for stocks and bonds

03.20 Trend in interest rates and inflation

04:33 CPF changes to enhance retirement savings

06:55 Brace for higher Integrated Shield premiums

09:38 Taking a fresh approach to your greatest asset: yourself

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Genevieve Cua (gen@sph.com.sg)

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua & Emily Liu

Engineered by: Chai Pei Chieh

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

---

Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

Apple Podcasts: bt.sg/btcoap

Spotify: bt.sg/btcosp

YouTube Music: bt.sg/btcoyt

Website: bt.sg/btcorresp

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.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

BT Podcasts: bt.sg/pcOM

BT Market Focus: bt.sg/btmktfocus

BT Branded Podcasts: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

From Trump's return to AI advances, how will the 2025 investment landscape look? Will US stocks be able to keep up the bull run? If you have cash sitting in the bank account, where should you put it?

In this episode, Genevieve Cua sits down with Hou Wey Fook, the chief investment officer of DBS Bank, to break down the best investing strategies going into the new year. Plus, Wey Fook shares his secret recipe to riding the bulls and bears of the market.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:32 Major trends going into 2025

02:38 Investment strategies for 2025

07:25 The barbell approach explained

09:19 Biggest risks to look out for

12:49 Better ways to use your cash

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Hou Wey Fook, chief investment officer, DBS Bank

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua & Emily Liu

Engineered by: Chai Pei Chieh

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

---

Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

Apple Podcasts: bt.sg/btcoap

Spotify: bt.sg/btcosp

YouTube Music: bt.sg/btcoyt

Website: bt.sg/btcorresp

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.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

BT Podcasts: bt.sg/pcOM

BT Market Focus: bt.sg/btmktfocus

BT Branded Podcasts: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.