Product-first vs. client-first

Real diversification vs. "spray and pray"

Complexity vs. sophistication

Benchmarks lie

If you think your bank’s “diversified” portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We’re dissecting the "product-first" myths, exposing why your “tick-box” diversification might be failing you, and revealing why your obsession with benchmarks is costing you real outcomes. Stop investing like a hedge fund—start investing for your life.

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

Highlights:

01:22 Product-first vs. client-first: the industry's reversed process

05:05 Real diversification vs. "spray and pray"

09:54 Complexity vs. sophistication: finding the simplest real solution

13:20 Benchmarks lie: why your goals matter more than the index 

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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 David Ng, founder of Arki Finance

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

If you think your bank&rsquo;s &ldquo;diversified&rdquo; portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We&rsquo;re dissecting the "product-first" myths, exposing why your &ldquo;tick-box&rdquo; diversification might be failing you, and revealing why your obsession with benchmarks is costing you real outcomes. Stop investing like a hedge fund&mdash;start investing for your life.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:22 Product-first vs. client-first: the industry's reversed process
05:05 Real diversification vs. "spray and pray"
09:54 Complexity vs. sophistication: finding the simplest real solution
13:20 Benchmarks lie: why your goals matter more than the index&nbsp;
---
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
---
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With David Ng, founder of Arki Finance
Edited by: Howie Lim &amp; Claressa Monteiro
Produced by: Howie Lim &amp; Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
---
Follow BT Money Hacks podcasts every Monday:
Channel: <a href="http://bt.sg/btmoneyhacks">bt.sg/btmoneyhacks</a>
Amazon:<a href="http://bt.sg/mham"> bt.sg/mham</a>
Apple Podcasts: <a href="http://bt.sg/oeXe">bt.sg/oeXe</a>&nbsp;
Spotify: <a href="http://bt.sg/oeGN">bt.sg/oeGN</a>&nbsp;
YouTube Music: <a href="https://bt.sg/mhyt/">bt.sg/mhyt</a>
Website: <a href="https://bt.sg/moneyhacks">bt.sg/moneyhacks</a>
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&rsquo;s products and services. Please consult professional advisors for independent advice.&nbsp;
---
Discover more BT podcast series:
BT Correspondents: <a href="https://bt.sg/btcobt" data-saferedirecturl="https://www.google.com/url?q=http://bt.sg/btcobt&amp;source=gmail&amp;ust=1725767545308000&amp;usg=AOvVaw1MZyDZ2ZxkzhbmmY3UOc3Z">bt.sg/btcobt</a>
BT Market Focus at: <a href="https://bt.sg/btmktfocus">bt.sg/btmktfocus</a>
BT Podcasts at: <a href="https://bt.sg/pcOM">bt.sg/pcOM</a>
BT Lens On: <a href="https://bt.sg/btlenson">bt.sg/btlenson</a>

Join Howie every Monday for useful personal financial tips from various experts.

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.

Produced by BT Podcasts, The Business Times, SPH Media.

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.
Produced by BT Podcasts, The Business Times, SPH Media.

BT Money Hacks

Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Podcaster: Howie Lim

Produced by BT Podcasts, The Business Times, SPH Media.

Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Podcaster: Howie Lim
Produced by BT Podcasts, The Business Times, SPH Media.