How do stocks compare with items?

Rare cards that appreciate from $100 to $600

Why did Pokemon card prices rise

Logan Paul’s US$5 million Pokemon card

Collections that depreciated in value instead

How do I become a card investor

Is it better to buy stocks or invest in tangible things?

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.

Logan Paul’s Pokemon card has gone for over US$1 million. But do physical items and collections really help your money to grow?

How do Pokemon cards, Labubus and Marvel figurines measure alongside traditional stocks as investments?

In this episode, ST business correspondent Sue-Ann Tan looks at the stocks versus the 'stuff'.

Her guests are avid collector Ian Cheng and eToro market analyst Zavier Wong.

Highlights (click/tap above):

4:26 How do stocks compare with items?

8:12 Rare cards that appreciate from $100 to $600

9:00 Why did Pokemon card prices rise?

11:26 Logan Paul’s US$5 million Pokemon card

17:00 Collections that depreciated in value instead 

22:08 What should I do if I want to become an investor in cards?

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube:https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

Is it better to buy stocks or invest in tangible things?
Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.
Logan Paul&rsquo;s Pokemon card has gone for over US$1 million. But do physical items and collections really help your money to grow?
How do Pokemon cards, Labubus and Marvel figurines measure alongside traditional stocks as investments?
In this episode, ST business correspondent Sue-Ann Tan looks at the stocks versus the 'stuff'.
Her guests are avid collector Ian Cheng and eToro market analyst Zavier Wong.
Highlights (click/tap above):
4:26 How do stocks compare with items?
8:12 Rare cards that appreciate from $100 to $600
9:00 Why did Pokemon card prices rise?
11:26 Logan Paul&rsquo;s US$5 million Pokemon card
17:00 Collections that depreciated in value instead&nbsp;
22:08 What should I do if I want to become an investor in cards?
Read Sue-Ann Tan's articles:<a href="https://str.sg/mvSa"> https://str.sg/mvSa</a>
Follow Sue-Ann Tan on LinkedIn:<a href="https://str.sg/A86X"> https://str.sg/A86X</a>
Host: Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube:<a href="https://str.sg/4Vwsa"> </a><a href="https://str.sg/theusualplacepodcast">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

Investing in stocks or stuff?

Where are the markets going in 2026?

Should we still buy tech stocks?

Risk vs volatility

Other sectors to invest in

Should we invest in the SGX?

Other investment assets to hold

Tech stocks still shine, but beware the bubble.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

2025 has been a turbulent year, and 2026 will also be marked by uncertainty.

So amid such global turmoil, what should we invest in?

In this episode, ST business correspondent Sue-Ann Tan looks at how to grow your money in 2026. 

Her guests are Gen Z investor Kass Phai, who is also a family wealth consultant at Unicorn, and veteran market watcher Ven Sreenivasan.

Highlights (click/tap above):

1:26 Where are the markets going in 2026?

7:00 Should we still buy tech stocks?

10:37 Risk vs volatility 

16:00 Other sectors to invest in

22:00 Should we invest in the SGX? 

29:00 Other investment assets to hold

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube:https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

Tech stocks still shine, but beware the bubble.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
2025 has been a turbulent year, and 2026 will also be marked by uncertainty.
So amid such global turmoil, what should we invest in?
In this episode, ST business correspondent Sue-Ann Tan looks at how to grow your money in 2026.&nbsp;
Her guests are Gen Z investor Kass Phai, who is also a family wealth consultant at Unicorn, and veteran market watcher Ven Sreenivasan.
Highlights (click/tap above):
1:26 Where are the markets going in 2026?
7:00 Should we still buy tech stocks?
10:37 Risk vs volatility&nbsp;
16:00 Other sectors to invest in
22:00 Should we invest in the SGX?&nbsp;
29:00 Other investment assets to hold
Read Sue-Ann Tan's articles:<a href="https://str.sg/mvSa"> https://str.sg/mvSa</a>
Follow Sue-Ann Tan on LinkedIn:<a href="https://str.sg/A86X"> https://str.sg/A86X</a>
Host: Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube:<a href="https://str.sg/4Vwsa"> </a><a href="https://str.sg/theusualplacepodcast">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

How to invest in 2026

Why feel loss even when exciting times await?

How to reconcile feelings towards change?

Beyond “Stockholm syndrome” after a toxic job

Why is moving from school to first job hard?

Learn how to better reconcile the mixed feelings that come with work transitions.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

It seems like one of life’s cruel ironies.

Do well, and go far together in a bonded team, and yet further progression may require you to move on elsewhere. If this is a familiar scenario to you, fear not.

ST correspondent Tay Hong Yi hosts Mr Aneel Singh Gill, a psychologist with Talk Your Heart Out, an online and face-to-face therapy platform. He helps clients navigate work-related issues.

Hong Yi, who has been with The Straits Times since 2021, is also hosting in his final podcast as he transitions to a new role elsewhere - and what better topic to talk about than this?

Highlights (click/tap above):

2:07 Why might someone feel a sense of loss despite exciting times ahead?

4:13 How to identify and reconcile mixed feelings towards impending change

11:59 Looking past “Stockholm syndrome” after leaving a toxic workplace

15:22 What makes the transition from school to first job especially hard

Read an askST Jobs column on leaving well-loved colleagues: https://str.sg/qGTR

Read Tay Hong Yi's articles: https://str.sg/w6cz

Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy

Host: Tay Hong Yi

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube:https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

Learn how to better reconcile the mixed feelings that come with work transitions.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
It seems like one of life&rsquo;s cruel ironies.
Do well, and go far together in a bonded team, and yet further progression may require you to move on elsewhere.&nbsp;If this is a familiar scenario to you, fear not.
ST correspondent Tay Hong Yi hosts Mr Aneel Singh Gill, a psychologist with Talk Your Heart Out, an online and face-to-face therapy platform. He helps&nbsp;clients navigate work-related issues.
Hong Yi, who has been with The Straits Times since 2021, is also hosting in his final podcast as he transitions to a new role elsewhere - and what better topic to talk about than this?
Highlights (click/tap above):
2:07 Why might someone feel a sense of loss despite exciting times ahead?
4:13 How to identify and reconcile mixed feelings towards impending change
11:59 Looking past &ldquo;Stockholm syndrome&rdquo; after leaving a toxic workplace
15:22 What makes the transition from school to first job especially hard
Read an askST Jobs column on leaving well-loved colleagues: <a href="https://str.sg/qGTR">https://str.sg/qGTR</a>
Read Tay Hong Yi's articles:<a href="https://str.sg/w6cz"> https://str.sg/w6cz</a>
Follow Tay Hong Yi on LinkedIn: <a href="https://str.sg/AAxy">https://str.sg/AAxy</a>
Host: Tay Hong Yi
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube:<a href="https://str.sg/4Vwsa"> </a><a href="https://str.sg/theusualplacepodcast">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

Being kinder to yourself during job changes

Why have gold prices been soaring?

What does gold as a “safe haven” mean?

Is this the right time to buy gold?

When do gold prices come down?

Physical gold versus paper gold

Tips for first-time gold investors

Gold prices have soared in 2025 but here are things to consider before buying your first gold bar.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

Gold has never looked shinier, especially as a safe haven in a volatile world. 

It reached highs when things were the most volatile, with Trump’s tariffs and then the federal government shutdown. 

But should you buy gold, how do you go about it and what are the considerations to be taken first? 

In this episode, ST business correspondent Sue-Ann Tan looks at how to make good use of the current gold rally. 

Her guests are OCBC Managing Director of Investment Strategy Vasu Menon and ST business journalist Timothy Goh. 

Highlights (click/tap above):

1:34 Why have gold prices been soaring? 

6:50 What does gold as a “safe haven” mean?

10:02 Is this the right time to buy gold?

16:00 When do gold prices come down?

19:56 Physical gold versus paper gold

24:13 Tips for first-time gold investors 

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

Gold prices have soared in 2025 but here are things to consider before buying your first gold bar.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
Gold has never looked shinier, especially as a safe haven in a volatile world.&nbsp;
It reached highs when things were the most volatile, with Trump&rsquo;s tariffs and then the federal government shutdown.&nbsp;
But should you buy gold, how do you go about it and what are the considerations to be taken first?&nbsp;
In this episode, ST business correspondent Sue-Ann Tan looks at how to make good use of the current gold rally.&nbsp;
Her guests are OCBC Managing Director of Investment Strategy Vasu Menon and ST business journalist Timothy Goh.&nbsp;
Highlights (click/tap above):
1:34 Why have gold prices been soaring?&nbsp;
6:50 What does gold as a &ldquo;safe haven&rdquo; mean?
10:02 Is this the right time to buy gold?
16:00 When do gold prices come down?
19:56 Physical gold versus paper gold
24:13 Tips for first-time gold investors&nbsp;
Read Sue-Ann Tan's articles:<a href="https://str.sg/mvSa"> https://str.sg/mvSa</a>
Follow Sue-Ann Tan on LinkedIn:<a href="https://str.sg/A86X"> https://str.sg/A86X</a>
Host: Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube: <a href="https://str.sg/theusualplacepodcast" data-stringify-link="https://str.sg/theusualplacepodcast" data-sk="tooltip_parent">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

Should you buy gold now?

How did the business start?

Balancing studies with a business

Finding a sustainable path in business

How did her skills help in her job search?

Tips for aspiring student entrepreneurs

She shares why and how she is moving on from a student business she co-founded.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

Imagine starting a business after finishing your A-level exams, and then growing that business from strength to strength with two outlets in the heart of town within five years alongside your undergraduate studies.

Now imagine making the tough decision to take all that one has learned into a new adventure: the first job, one that was never on the radar previously.

That is the journey of a young entrepreneur who speaks to ST correspondent Tay Hong Yi on the latest episode of Headstart On Record.

The guest was:

Ms Desiree Chang, co-founder of Woofie, a thrift and vintage apparel business with an online store and two outlets in Bugis.

Highlights (click/tap above):

1:22 How did the business start?

3:03 How was it like to balance studies with a business?

6:52 Finding a sustainable middle-ground in entrepreneurship

11:42 How did the skills learned translate into her job search?

15:52 Tips for aspiring student entrepreneurs

Read Tay Hong Yi's articles: https://str.sg/w6cz

Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy

Host: Tay Hong Yi (hytay@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube:https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

She shares why and how she is moving on from a student business she co-founded.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
Imagine starting a business after finishing your A-level exams, and then growing that business from strength to strength with two outlets in the heart of town within five years alongside your undergraduate studies.
Now imagine making the tough decision to take all that one has learned into a new adventure: the first job, one that was never on the radar previously.
That is the journey of a young entrepreneur who speaks to ST correspondent Tay Hong Yi on the latest episode of Headstart On Record.
The guest was:
Ms Desiree Chang, co-founder of Woofie, a thrift and vintage apparel business with an online store and two outlets in Bugis.
Highlights (click/tap above):
1:22 How did the business start?
3:03 How was it like to balance studies with a business?
6:52 Finding a sustainable middle-ground in entrepreneurship
11:42 How did the skills learned translate into her job search?
15:52 Tips for aspiring student entrepreneurs
Read Tay Hong Yi's articles:<a href="https://str.sg/w6cz"> https://str.sg/w6cz</a>
Follow Tay Hong Yi on LinkedIn: <a href="https://str.sg/AAxy">https://str.sg/AAxy</a>
Host: Tay Hong Yi (<a href="mailto:hytay@sph.com.sg">hytay@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube:<a href="https://str.sg/4Vwsa"> </a><a href="https://str.sg/theusualplacepodcast">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

How a young entrepreneur’s own business helped her discover new career

How early do you plan for 2026’s trips?

Are more people doing three holidays a year?

How to set budgets for a trip

Using AI to plan holidays

Where are the upcoming popular spots?

Travel deals and ways to save money

More holidays a year sounds great but ensure they stay within budget by using these hacks.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

Instead of saving for a home, young people are now saving for travel and leisure. Over half of young workers said saving for trips is among their top financial goals, a survey showed. 

So travel is clearly a top of mind issue for Singaporeans. But how do we budget for three trips a year?

In this episode, ST business correspondent Sue-Ann Tan looks at how to achieve your vacation dreams. 

Her guests are Revolut’s Head of Strategy and Operations Ashley Thomas and ST travel journalist Sarah Stanley.

Highlights (click/tap above):

2:23 How early do you plan for 2026’s trips?

4:00 Are more people doing three holidays a year?  

8:00 How to set budgets for a trip

16:22 Using AI to plan holidays

18:00 Where are the upcoming popular spots?

21:00 Travel deals and ways to save money 

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

More holidays a year sounds great but ensure they stay within budget by using these hacks.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
Instead of saving for a home, young people are now saving for travel and leisure. Over half of young workers said saving for trips is among their top financial goals, a survey showed.&nbsp;
So travel is clearly a top of mind issue for Singaporeans. But how do we budget for three trips a year?
In this episode, ST business correspondent Sue-Ann Tan looks at how to achieve your vacation dreams.&nbsp;
Her guests are Revolut&rsquo;s Head of Strategy and Operations Ashley Thomas and ST travel journalist Sarah Stanley.
Highlights (click/tap above):
2:23 How early do you plan for 2026&rsquo;s trips?
4:00 Are more people doing three holidays a year?&nbsp;&nbsp;
8:00 How to set budgets for a trip
16:22 Using AI to plan holidays
18:00 Where are the upcoming popular spots?
21:00 Travel deals and ways to save money&nbsp;
Read Sue-Ann Tan's articles:<a href="https://str.sg/mvSa"> https://str.sg/mvSa</a>
Follow Sue-Ann Tan on LinkedIn:<a href="https://str.sg/A86X"> https://str.sg/A86X</a>
Host: Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube: <a href="https://str.sg/theusualplacepodcast" data-stringify-link="https://str.sg/theusualplacepodcast" data-sk="tooltip_parent">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

Budgeting for three holidays in 2026

Barriers to upskilling

How skill needs are changing

People skills demand in AI era

When effort isn’t enough to keep up

Grit scheme fills in opportunity gaps

Grit scheme: 1 foot in the door

Find out how to choose the right employers, training and career paths to ride the wave.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

We are in the thick of it. Artificial intelligence (AI) has already taken root in our personal and professional lives, and is set to reshape society even more.

How best to set ourselves up for success for the years to come? What is the support at hand to help us make better career choices?

In this episode, host and ST correspondent Tay Hong Yi chats with Mr Dinesh Vasu Dash, Minister of State for Manpower, as well as for Culture, Community and Youth.

MOS Dinesh shares more about who the hotly-scrutinised and recently launched Graduate Industry Traineeships (Grit) are meant for, and why it has taken the form it has.

Joining the discussion is Ms Elsie Ng, director for talent solutions in Singapore for professional networking platform LinkedIn. She shares how both employers and workers are reinventing themselves for AI.

This is a jam-packed episode that cannot be missed.

Highlights (click/tap above):

5:43 What prevents people from taking the first step in upskilling?

9:17 How have skill requirements changed in recent times?

13:40 Huge demand in 'people' skills; why career research is important

17:36 What happens to those who find their efforts aren’t enough to keep up?

24:47 Grit is meant for those who can’t directly enter growth sectors

31:10 Nurturing ready trainees for when the role is eventually created

Take the Career Health quiz: https://careerhealth.sg/quiz/

Read Tay Hong Yi's articles: https://str.sg/w6cz

Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy

Host: Tay Hong Yi (hytay@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

#headstart

Find out how to choose the right employers, training and career paths to ride the wave.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
We are in the thick of it.&nbsp;Artificial intelligence (AI) has already taken root in our personal and professional lives, and is set to reshape society even more.
How best to set ourselves up for success for the years to come? What is the support at hand to help us make better career choices?
In this episode, host and ST correspondent Tay Hong Yi chats with Mr Dinesh Vasu Dash, Minister of State for Manpower, as well as for Culture, Community and Youth.
MOS Dinesh shares more about who the hotly-scrutinised and recently launched Graduate Industry Traineeships (Grit) are meant for, and why it has taken the form it has.
Joining the discussion is Ms Elsie Ng, director for talent solutions in Singapore for professional networking platform LinkedIn.&nbsp;She shares how both employers and workers are reinventing themselves for AI.
This is a jam-packed episode that cannot be missed.
Highlights (click/tap above):
5:43 What prevents people from taking the first step in upskilling?
9:17 How have skill requirements changed in recent times?
13:40 Huge demand in 'people' skills; why career research is important
17:36 What happens to those who find their efforts aren&rsquo;t enough to keep up?
24:47 Grit is meant for those who can&rsquo;t directly enter growth sectors
31:10 Nurturing ready trainees for when the role is eventually created
Take the Career Health quiz: <a href="https://careerhealth.sg/quiz/">https://careerhealth.sg/quiz/</a>
Read Tay Hong Yi's articles:<a href="https://str.sg/w6cz"> https://str.sg/w6cz</a>
Follow Tay Hong Yi on LinkedIn: <a href="https://str.sg/AAxy">https://str.sg/AAxy</a>
Host: Tay Hong Yi (<a href="mailto:hytay@sph.com.sg">hytay@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube: <a href="https://str.sg/theusualplacepodcast" data-stringify-link="https://str.sg/theusualplacepodcast" data-sk="tooltip_parent">https://str.sg/theusualplacepodcast</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
#headstart

Will AI steal your lunch? What Singapore workers need to know

NTUC aids platform workers despite scarce data

Is expanding platform work to more jobs wise?

Platform work erodes Singapore's skills?

Are employers ready to accept platform work?

The toughest balancing acts Grab makes

Platform work can expand employment options and opportunities, but only with careful regulation.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

Digital platform work has become a fixture of Singapore society, with a contingent of almost 70,000 plying their trade, mostly in ride-hailing or food delivery.

In a special episode of Headstart On Record, co-host Tay Hong Yi moderates a fireside chat with four panellists across the platform work ecosystem at the Global Dialogue on Digital Platform Work on Sept 29.

Hear their views on the challenges that come with this new format of work, the prospects that come with expanding it to a wider range of jobs, and what needs to be done to make it meaningful for young talent.

The panellists were:

Ms Yeo Wan Ling, assistant secretary-general at the National Trades Union Congress

Mr Hao Shuo, chief executive officer, Singapore National Employers Federation

Mr Lim Yew Heng, group managing director for public affairs, transformation and post-merger integration at Grab

Mr Elvin Tan, Asia-Pacific head of operations at human resources services firm Persol

Highlights (click/tap above):

4:01 How NTUC develops support for platform workers despite limited data

8:38 Is it a good idea to expand platform work to other jobs?

9:56 Should we be worried about platform work eroding Singapore’s skill base?

12:04 Are employers ready to recognise platform work as work experience?

18:26 The toughest balancing acts Grab makes

Read what went down during the dialogue: https://str.sg/gTPf 

Read Tay Hong Yi's articles: https://str.sg/w6cz

Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy

Host: Tay Hong Yi (hytay@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

Platform work can expand employment options and opportunities, but only with careful regulation.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
Digital platform work has become a fixture of Singapore society, with a contingent of almost 70,000 plying their trade, mostly in ride-hailing or food delivery.
In a special episode of Headstart On Record, co-host Tay Hong Yi moderates a fireside chat with four panellists across the platform work ecosystem at the Global Dialogue on Digital Platform Work on Sept 29.
Hear their views on the challenges that come with this new format of work, the prospects that come with expanding it to a wider range of jobs, and what needs to be done to make it meaningful for young talent.
The panellists were:
Ms Yeo Wan Ling, assistant secretary-general at the National Trades Union Congress
Mr Hao Shuo, chief executive officer, Singapore National Employers Federation
Mr Lim Yew Heng, group managing director for public affairs, transformation and post-merger integration at Grab
Mr Elvin Tan, Asia-Pacific head of operations at human resources services firm Persol
Highlights (click/tap above):
4:01 How NTUC develops support for platform workers despite limited data
8:38 Is it a good idea to expand platform work to other jobs?
9:56 Should we be worried about platform work eroding Singapore&rsquo;s skill base?
12:04 Are employers ready to recognise platform work as work experience?
18:26 The toughest balancing acts Grab makes
Read what went down during the dialogue: <a href="https://str.sg/gTPf">https://str.sg/gTPf</a>&nbsp;
Read Tay Hong Yi's articles:<a href="https://str.sg/w6cz"> https://str.sg/w6cz</a>
Follow Tay Hong Yi on LinkedIn: <a href="https://str.sg/AAxy">https://str.sg/AAxy</a>
Host: Tay Hong Yi (<a href="mailto:hytay@sph.com.sg">hytay@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube: <a href="https://str.sg/theusualplacepodcast" data-stringify-link="https://str.sg/theusualplacepodcast" data-sk="tooltip_parent">https://str.sg/theusualplacepodcast</a><a href="https://str.sg/4Vwsa"></a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

How platform work can support young talent

What are the different CPF accounts?

How do CPF savings grow?

Using CPF for housing

What CPF cannot be used for

How to invest your CPF

Other considerations when investing your CPF 

Investing your CPF might be exciting, but ensure you have enough too for housing and retirement. 

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

Retirement seems like ages away for a young person, and the CPF that accumulates can feel like money just sitting in a fund. 

But what can we use CPF for? And should we all invest our CPF?  

In this episode, ST business correspondent Sue-Ann Tan looks at how to use your CPF, whether for investment or housing needs. 

Her guests are Angeline Teo from CPF Board and Gen Z undergrad Quang Long.

Highlights (click/tap above):

2:58 What are the different CPF accounts?

9:54 How do CPF savings grow?  

11:50 Using CPF for housing

14:55 What CPF cannot be used for 

16:28 How to invest your CPF

20:05 Other considerations when investing your CPF  

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube: https://str.sg/4Vwsa

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

Investing your CPF might be exciting, but ensure you have enough too for housing and retirement.&nbsp;
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
Retirement seems like ages away for a young person, and the CPF that accumulates can feel like money just sitting in a fund.&nbsp;
But what can we use CPF for? And should we all invest our CPF?&nbsp;&nbsp;
In this episode, ST business correspondent Sue-Ann Tan looks at how to use your CPF, whether for investment or housing needs.&nbsp;
Her guests are Angeline Teo from CPF Board and Gen Z undergrad Quang Long.
Highlights (click/tap above):
2:58 What are the different CPF accounts?
9:54 How do CPF savings grow?&nbsp;&nbsp;
11:50 Using CPF for housing
14:55 What CPF cannot be used for&nbsp;
16:28 How to invest your CPF
20:05 Other considerations when investing your CPF&nbsp;&nbsp;
Read Sue-Ann Tan's articles:<a href="https://str.sg/mvSa"> https://str.sg/mvSa</a>
Follow Sue-Ann Tan on LinkedIn:<a href="https://str.sg/A86X"> https://str.sg/A86X</a>
Host: Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube:<a href="https://str.sg/4Vwsa"> https://str.sg/4Vwsa</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart

Should you invest your CPF?

How job requirements shape benefits policies

What are best practices employers adopt?

What does overreach look like?

Must employees plan leave around work?

Can employers maintain reserve capacity?

How can Nordic states offer long leave?

Find out how to discern the hallmarks of employers who do well.

Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.

Host and ST correspondent Tay Hong Yi chats with Mr Richard Cooper, business leader for benefits for Mercer Marsh Benefits in Singapore. Mr Cooper advises organisations on how to design healthcare benefits, insurance, flexi-benefits and related processes.

The ability to take leave from work for medical and personal reasons is a cornerstone of modern work.

However, it might not always be clear what a good benefits policy looks like, and when an employer is actually stingy or overbearing with what they require staff to do.

Do you have such experiences?

Highlights (click/tap above):

3:00 How job requirements shape benefits policies

4:51 What are best practices employers adopt?

9:58 What does overreach look like?

13:42 Are employees obliged to plan their leave periods around work?

16:47 Should we expect enough employers to keep reserve capacity?

23:22 Why can Nordic countries afford extensive leave?

Read Tay Hong Yi's articles: https://str.sg/w6cz

Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy

Host: Tay Hong Yi (hytay@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

SPH Awedio app: https://www.awedio.sg

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Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

The Usual Place Podcast YouTube: https://str.sg/4Vwsa

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Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

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Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

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#headstart

Find out how to discern the hallmarks of employers who do well.
Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times.
Host and ST correspondent Tay Hong Yi chats with Mr Richard Cooper, business leader for benefits for Mercer Marsh Benefits in Singapore. Mr Cooper advises organisations on how to design healthcare benefits, insurance, flexi-benefits and related processes.
The ability to take leave from work for medical and personal reasons is a cornerstone of modern work.
However, it might not always be clear what a good benefits policy looks like, and when an employer is actually stingy or overbearing with what they require staff to do.
Do you have such experiences?
Highlights (click/tap above):
3:00 How job requirements shape benefits policies
4:51 What are best practices employers adopt?
9:58 What does overreach look like?
13:42 Are employees obliged to plan their leave periods around work?
16:47 Should we expect enough employers to keep reserve capacity?
23:22 Why can Nordic countries afford extensive leave?
Read Tay Hong Yi's articles:<a href="https://str.sg/w6cz"> https://str.sg/w6cz</a>
Follow Tay Hong Yi on LinkedIn: <a href="https://str.sg/AAxy">https://str.sg/AAxy</a>
Host: Tay Hong Yi (<a href="mailto:hytay@sph.com.sg">hytay@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
Follow Headstart On Record Podcast channel here:
Channel:<a href="https://str.sg/wB2m"> https://str.sg/wB2m</a>
Apple Podcasts:<a href="https://str.sg/wuN3"> https://str.sg/wuN3</a>
Spotify:<a href="https://str.sg/wBr9"> https://str.sg/wBr9</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
Get business/career tips in ST's Headstart newsletter:<a href="http://str.sg/headstart-nl"> https://str.sg/headstart-nl</a>
SPH Awedio app:<a href="https://www.awedio.sg"> https://www.awedio.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
Get more updates:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
The Usual Place Podcast YouTube:<a href="https://str.sg/4Vwsa"> https://str.sg/4Vwsa</a>
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
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#headstart

How to tell if your employer's leave practices are progressive

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.

Podcasters: Sue-Ann Tan

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

A podcast by The Straits Times, SPH Media.

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.
Podcasters: Sue-Ann Tan
Produced &amp; edited by: Amirul Karim
Executive producers: Ernest Luis, Lynda Hong &amp; Joanna Seow
A podcast by The Straits Times, SPH Media.

Headstart On Record

Get a headstart in your personal finance and career with The Straits Times.

Headstart On Record

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