If 2025 left your portfolio feeling like a runaway train and before you chase the next shiny AI stock or panic-sell everything, take heed. How can you cut through the noise, the greed, and the well-meaning, inflation-averse relatives? Howie Lim finds out why systematic rebalancing beats FOMO, how to generate cashflow now, and where to find safety and growth in a chaotic 2026.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:13 Systematic, habitual rebalancing trumps timing

04:52 Importance of holding additional equity or 'dry powder'

10:01 Three behavioural traps

12:57 FOMO vs. risk management

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

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

With Winshern Ho, wealth manager, PhillipCapital and Oriano Lizza, sales trader, CMC Markets

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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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

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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Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Bull markets breed bad habits. You might be confusing a great company with a great investment! Jose Mayora of Divita Value-Growth Fund reveals to Howie Lim the crucial and simple valuation metric retail investors must focus on when the hype runs high. Which overlooked sectors offer real compounding potential and why might the most boring investment strategy might be your best?

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:09 Cash flow compounding

04:28 The biggest pitfall

11:17 Overlooked sectors

16:08 Stock-pick or save?

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

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

With Jose Mayora, author and founder of the Divita Value-Growth Fund

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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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

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 Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

New year, clean slate. But does your money reset have to feel stressful?

In this episode of Money Hacks, Emily Liu explores a softer way to plan for the year ahead. Financial consultant Patrine Choo and Gen Z money author Lillian Zhang share how they reflect on the past year, manage emotional money habits, and turn big goals into small, doable steps.

From automating savings to letting go of guilt, this episode reminds us that progress compounds, and a reset can start quietly.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:50 How to review your 2025 finances

03:37 It’s ok to feel scared

06:42 How to stop overspending

08:57 Start with small steps

10:40 Know your monthly expenses

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

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Written and hosted by: Emily Liu (emilyliu@sph.com.sg)

With Patrine Choo, financial consultant, Great Eastern and content creator, and Lillian Zhang, product marketing manager at Google and author, The New Money Rules: The Gen Z Guide to Personal Finance

Edited by: Emily Liu & Claressa Monteiro

Produced by: Emily Liu & Chai Pei Chieh

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

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

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 Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.