The Financial Coconut Podcast

Are Millennials over-indexing on ETFs? As Singapore's ETF market approaches $12 billion and user adoption triples post-COVID, industry experts dive into this trending investment vehicle.Featured Guests:- Kang Wei Chin, Director, Securities Trading, SGX Group- David Wu - Financial Coach from Minimalist in the CityKey Discussion Points:- The evolution and explosive growth of ETFs in Singapore ($12B AUM)- Cost structures, market dynamics, and whether ETFs are still the budget-friendly option they're marketed to be- Hidden costs and complexities behind "cheap" ETF investing- Evolution from simple index funds to complex thematic ETFs- The real impact on traditional mutual fundsWe also discuss the rise of thematic and leveraged ETFs, as well as the impact of new trends like Stock Deposit Receipts (SDRs), which make global markets more accessible to local investors. Are Millennials striking the right balance, or are they overloading their portfolios with ETFs? Tune in to hear expert insights, uncover common misconceptions, and get tips to build a more effective ETF strategy. Don’t miss this insightful episode!00:00 - Intro02:50 - What is an ETF?05:19 - What are the different types of ETFs beyond traditional index funds?09:27 - Are ETFs still a cost-effective option for investors, given the higher fees of many local and niche ETFs?11:45 - What if active funds become as cheap and efficient as ETFs - how would that affect investment choices?14:51 - What's your take on ETFs evolving into complex products like inverse and leveraged options?20:41 - Are millennials over-diversifying by heavily investing inETFs, potentially diluting their returns?27:06 - Does ETF's intraday trading risk overtrading for passive investors?32:55 - You recently launched a product on Hong Kong SDRs - can you explain what it is and its purpose?36:32 - What are the cost advantages of buying BYD on SGX instead of Hong Kong?---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

Join us for a power-packed discussion with four industry veterans who know the ins and outs of business financing:- Dennis Poh (Legacy Consulting LLP) - Corporate services and fundraising strategist- Eldred Wee (Edenity M&A) - SME acquisition specialist- Waltson Tan (28 Falcon Law) - Legal expertise in business financing- Jeremy Au (BRAVE Southeast Asia Tech) - Tech ecosystem insiderOur expert panel dives into:- The overlooked questions you MUST ask before seeking funding- Why your best source of capital might be hiding in plain sight- Strategic approaches to grants, debt, and equity—and when to use each- The smart way to build banking relationships (before you need them)- Real talk on funding pitfalls and how to avoid themThis isn't your typical funding advice—our experts share candid insights from years of helping businesses navigate the capital landscape in Singapore and beyond. Whether you're running a traditional SME or a high-growth startup, you'll get practical strategies for making smarter financing decisions.Ready to master the funding game? Tune in for game-changing perspectives from those who've seen it all! 🎧00:00 - Intro02:48 - What has been your experience helping founders and owners looking for capital?06:23 - How have you seen people approach that question of sizing that quantum?10:10 - Fundraising as a process, any order or sequence? Gov grants first?15:27 - Debt vs Equity Fundraising20:08 - How much money should I borrow from bank and at what rate?22:52 - What should be the minimum gauge to consider invoice financing?25:34 - What is the horror story and preventing them?31:37 - When should people choose equity?37:01 - Timeline for fundraising39:48 - Panel contact---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

Get ready for a festive feast of conversation in our Wise and Shine Christmas Edition!We’ll take you on a sensory journey as we dive into:A luxurious Christmas lunch spread curated by Hilton's executive chefExclusive preview of TFC’s conversation card game for meaningful family discussionsPersonal stories about navigating financial aspirations and the unexpected turns life takes.Join our co-hosts, Dawn (SG Budget Babe), and Alex Loh (Growth Mindset Coach), as they celebrate the holiday spirit with special guests:Reggie, who’s stepping into the role of Santa Claus for the day, bringing a bag full of surprises!Dave, a passionate FIRE enthusiast, sharing his insights on balancing family and financial goalsFor a closer look at the delicious food and festive fun, head over to our YouTube channel to watch the full video! Join us for laughter, heartfelt stories, and a sprinkle of holiday magic.How to win the giveaway! 🎉1) Tell us on this episode's video which is your favourite insight/story2) Tell us why you should win a boardgame prize!3) Choose your most desired boardgame;- Zombielife Insurance- Dirty Money- Cryptocurrency- Wongamania- DebtzillaMore details of the various boardgames can be found here https://www.capitalgainsgroup.com/productsWe wish you all the best and happy holidays 😊---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

Are you curious about what's really happening in China's markets? Beyond the headlines of rallies and dips, get an insider's perspective in this episode of Chills with TFC.Key Points to Look Forward To:- Unpacking recent market volatility and government policy shifts- Contrast between Western media narratives and ground reality- A closer look at the performance of China-focused REITs versus ETFs- The possibility of Trade War 2.0 and market preparations- Understanding China's unique top-down economic approachFeatured Guests:- Bruce Zhang, CFA, Portfolio Manager and Head of Fixed Income at CSOP Asset Management, shares his expertise on the economic indicators influencing the market.- Alvin Chow, Co-founder, Dr Wealth, discusses the educational landscape for retail investors and offers his perspective on the China market.Don’t miss out on this opportunity to gain valuable insights and strategies from our expert guests. Tune in to understand how to position yourself in these unpredictable times!---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

Ever wondered how traditional businesses stay relevant in today's digital age? In this episode, we dive into fascinating stories of transformation with two entrepreneurs who've mastered the art of digitalizing "old-school" businesses:Key Guests:• Zames - Founder, CEO of [Repair.sg](http://repair.sg/), a tech-enabled handyman service with 17,000+ customers • Hoe Yeegn Lougn - Sales Director of CityMusic, a 55-year-old musical equipment businessWhat You'll Learn:- How a handyman service became an SEO powerhouse- The surprising shift in consumer behavior post-COVID- Why physical stores still matter in 2024- Creative ways to blend digital innovation with traditional service- The evolution from selling products to providing solutionsCurious how these entrepreneurs are defying industry stereotypes and growing their businesses? Tune in to discover their practical insights and transformation strategies.---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

Looking to stretch your Singapore dollar in property investments? In this episode of Find Your Place Podcast, join host Reggie and special guest Loo Cheng Chuan, from the 1M65 movement as they dive deep into the Johor property market.Through Loo's personal journey of purchasing a home in JB, discover the stark realities of what your Singapore dollar can get you across the causeway. From sprawling landed properties to lifestyle considerations, they explore whether Malaysian property is really about capital gains or something more.Is it worth looking at JB properties as a Singaporean? What are the key considerations before making such a move? And most importantly - can you actually make money from property investments there?Tune in to this candid conversation that goes beyond just the numbers, offering practical insights for anyone considering property options in Johor. Whether you're looking for retirement planning or maximising your property dollar, this episode brings you the real talk you need to hear.---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

Did you know that Southeast Asia is set to become the 4th largest economy by 2040? Yet, many young Singaporeans have overlooked the career and growth opportunities in this region.In this episode, we're joined by the National Youth Council’s #JobHacks Youth Panel members Hazeem & Reann, who bring fresh perspectives on youth employment and regional opportunities. Get ready to hear their insights after time spent engaging with fellow young Singaporeans and analysing workforce trend!To learn more about the Youth Panels’ recommendations, head over to https://go.gov.sg/tfc-youthpanels03:37 - How did your team develop this challenge statement?05:04 - Why is there a growing interest among youths in exploring Southeast Asia?07:11 - What solutions has your team proposed after a year of tackling this challenge?12:00 - How do you view the idea that Singapore’s comfort limits interest in regional opportunities?13:07 - Among your peers, is Southeast Asia perceived as backward?15:52 - What strategies can young Singaporeans use to seize opportunities in Southeast Asia?30:43 - If an overseas career opportunity arose before settling down, would you seize it?44:05 - Website---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.

From Sound of Music to supply chains, this episode takes you behind the scenes of European business expansion with a fascinating twist. Industry insiders reveal:- The hidden connection between Singapore and Austrian markets- Surprising cultural insights that most consultants won't tell you- Real stories of market entry victories (and failures)- The unexpected role of airports in European business strategyPlus: Learn why that "obvious" expansion strategy might be your biggest mistake!Whether you're:- Planning to take your business to Europe- Curious about international market dynamics- Looking for authentic insights beyond the tourist facade...this is the raw, unfiltered conversation you need to hear before making your next move.00:00 - Intro02:17 - What makes the Spanish and Austrian market interesting to Singapore Businesses looking to expand abroad?06:19 - What are some of the policies in place or resources available for business owners with products for the Spanish and Austrian market?16:34 - What are some hurdles/ issues for Singaporean businesses when entering the market?18:10 - Are there any localisation requirements for businesses entering?21:32 - Is there any institutions Singaporeans should reach out to if they are interested to venture into the Spain or Austrian markets?24:29 - What are the typical paths for business owners in expanding? 27:16 - What industries tend to do better in the EU?30:42 - What would you advise Singaporean firms entering Spain or Austria?---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[Podcast, Vodcast]Spotify: https://rebrand.ly/TFC-spotifyApple Podcast: https://rebrand.ly/TFC-applepodcastYouTube: https://rebrand.ly/TFC-youtube[Connect with us]Instagram: https://rebrand.ly/TFC-instagramTik Tok: https://rebrand.ly/TFC-tiktokTelegram: https://rebrand.ly/TFC-telegramWhatsapp: https://rebrand.ly/TFC-Whatsapp-channelNewsletter: https://rebrand.ly/TFC-NewsletterDisclaimer: 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.