How much cash do we really need

Liquidity vs cash

Investments that are less liquid

Risk profile differs according to age

But what if I need to pay for my BTO?

The intersection between your life and wealth

How much to keep in the bank

Invest but keep enough liquidity to help you sleep at night.

In this episode, we look into the concept of liquidity. Everyone tells us to invest, but how much is enough and how much should we leave behind for a rainy day? What about saving for BTO and other commitments? 

Hosts Kai Wen and Sue-Ann speak to guest Bryan Low, Managing Director and Head of International Wealth Management for Singapore at KGI about what liquidity really means, types of investments and how liquid they are, and if you should just keep all your money in savings accounts for fear of that rainy day.

Highlights (click/tap above):

0:00 Intro

1:08 How much cash do we really need

5:00 Liquidity vs cash 

9:30 Investments that are less liquid 

12:50 Risk profile differs according to age

15:15 But what if I need to pay for my BTO?

22:55 The intersection between your life and wealth

28:00 How much to keep in the bank

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

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

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

Hosts: See Kai Wen (seekw@sph.com.sg) and Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

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

Spotify: https://str.sg/wBr9

YouTube: https://str.sg/3psqrx

Feedback to: podcast@sph.com.sg

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

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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

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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

Invest but keep enough liquidity to help you sleep at night.
In this episode, we look into the concept of liquidity. Everyone tells us to invest, but how much is enough and how much should we leave behind for a rainy day? What about saving for BTO and other commitments?&nbsp;
Hosts Kai Wen and Sue-Ann speak to guest Bryan Low, Managing Director and Head of International Wealth Management for Singapore at KGI about what liquidity really means, types of investments and how liquid they are, and if you should just keep all your money in savings accounts for fear of that rainy day.
Highlights (click/tap above):
0:00 Intro
1:08 How much cash do we really need
5:00 Liquidity vs cash&nbsp;
9:30 Investments that are less liquid&nbsp;
12:50 Risk profile differs according to age
15:15 But what if I need to pay for my BTO?
22:55 The intersection between your life and wealth
28:00 How much to keep in the bank
Follow See Kai Wen on LinkedIn:&nbsp;<a href="https://str.sg/qfwqQ">https://str.sg/qfwqQ</a>
Follow Sue-Ann Tan on LinkedIn:<a href="https://str.sg/A86X"> https://str.sg/A86X</a>
Read Sue-Ann Tan's articles:<a href="https://str.sg/mvSa"> https://str.sg/mvSa</a>
Hosts: See Kai Wen (<a href="mailto:seekw@sph.com.sg">seekw@sph.com.sg</a>) and Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced &amp; edited by: Amirul Karim
Executive producer: Elizabeth Law
Follow the Headstart On Record Podcast 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>
YouTube:&nbsp;<a href="https://str.sg/3psqrx">https://str.sg/3psqrx</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>
---
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>
---
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

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

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 & See Kai Wen

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

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 &amp; See Kai Wen
Produced &amp; edited by: Amirul Karim
Executive producer: Elizabeth Law
A podcast by The Straits Times, SPH Media.

Headstart On Record

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.