黄金目前的走势

黄金作为投资资产和配置

进入黄金市场的好时机？

黄金要投资多久才能套现？

该用投机心态看黄金吗？

黄金不生息，买它究竟是浪费时间还是作为投资对冲？

两位嘉宾指出，黄金是投资组合的必备。买多少黄金才足够？超过多少就是"过度保险"？

今年6月的报道指出，全球央行不断增持黄金，调查显示，45%的央行预计未来一年将增加黄金储备。

央行为何积极买黄金？这是否意味着现在是进入黄金市场的好时机？

本期联合早报播客《理财Talk!》，主持人詹靖禾和《联合早报》财经新闻记者萧梓卉邀请华侨银行外汇策略师黄经隆和东方汇理私人银行的亚洲首席策略师陈达德解析。

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Gold pays no interest. Is buying it a waste of time, or a smart way to hedge your investments?

Both guests say gold is a must-have in any portfolio. But how much is enough? And beyond what point does it become "over-insurance"?

A report in June this year noted that central banks around the world keep adding to their gold holdings, and a survey found that 45% of central banks expect to increase their gold reserves over the next year.

Why are central banks buying gold so actively? Does this mean now is a good time to enter the gold market?

In this episode of the Lianhe Zaobao podcast Money Talk!, hosts Andrew Zhan and Lianhe Zaobao finance journalist Siow Zhi Hui invite Christopher Wong, OCBC FX strategist and Chief Strategist (Asia) of Indosuez Wealth Management Francis Tan to break down the topic. 

黄金不生息，买它究竟是浪费时间还是作为投资对冲？
两位嘉宾指出，<a href="https://www.zaobao.com.sg/finance/singapore/story20260615-9194200">黄金是投资组合的必备</a>。买多少黄金才足够？超过多少就是"过度保险"？
今年6月的报道指出，全球央行不断增持黄金，调查显示，<a href="https://www.zaobao.com.sg/finance/singapore/story20260617-9215188">45%的央行预计未来一年将增加黄金储备。</a>
央行为何积极买黄金？这是否意味着现在是进入黄金市场的好时机？
本期联合早报播客《<a href="https://www.zaobao.com.sg/podcast/talk-money">理财Talk!</a>》，主持人詹靖禾和《联合早报》财经新闻记者<a href="https://www.zaobao.com.sg/byline/xiao-zi-hui?ref=article-inline">萧梓卉</a>邀请华侨银行外汇策略师黄经隆和东方汇理私人银行的亚洲首席策略师陈达德解析。
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Gold pays no interest. Is buying it a waste of time, or a smart way to hedge your investments?
Both guests say gold is a must-have in any portfolio. But how much is enough? And beyond what point does it become "over-insurance"?
A report in June this year noted that central banks around the world keep adding to their gold holdings, and a survey found that <a href="https://www.zaobao.com.sg/finance/singapore/story20260617-9215188">45% of central banks expect to increase their gold reserves over the next year.</a>
Why are central banks buying gold so actively? Does this mean now is a good time to enter the gold market?
In this episode of the Lianhe Zaobao podcast Money Talk!, hosts Andrew Zhan and Lianhe Zaobao finance journalist<a href="https://www.zaobao.com.sg/byline/xiao-zi-hui?ref=article-inline"> Siow Zhi Hui</a> invite Christopher Wong, OCBC FX strategist and Chief Strategist (Asia) of Indosuez Wealth Management Francis Tan to break down the topic.&nbsp;

【理财Talk!】央行狂扫金条，黄金不生息还值得买吗？| Central Banks are going all-in on gold. Should you?

被裁后该如何调整财务？

被裁者该有的赔偿

被裁者该如何找到理想工作？

现在还有铁饭碗吗？

裁员是结构性或周期性的改变？

给被裁者的建议

高学历、有经验，在新加坡就真的安全？现实刚好相反。最新数据显示，裁员率最高的竟是专业人士、经理等资深员工，连“铁饭碗”也不保了。

今年7月，新加坡政府科技局宣布展开工作队伍转型，两年内将分阶段裁退7%至9%的科技局人员。

此外，电商平台Lazada在今年6月宣布将展开新一轮裁员，涉及东南亚区域5%的员工，包括新加坡的相关岗位员工也受影响。

被裁员的那一刻该怎么办？应急基金要存多少个月才够？AI浪潮下，哪些技能不容易被取代？

这一期的联合早报播客《理财Talk!》，主持人詹靖禾和《联合早报》财经新闻记者萧梓卉邀请新加坡国立大学商学院策略与政策系讲师徐乐博士与Havend保险顾问罗正弘为你解析。

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Educated and experienced, yet safe in Singapore? Not necessarily. Latest data shows retrenchment rates are highest among senior staff such as professionals and managers.

In July, GovTech announced it will cut 7 to 9 per cent of its staff over two years. In June, Lazada announced another round of layoffs, affecting 5 per cent of its South-east Asia workforce, including Singapore.

What should you do if you are laid off? How big should your emergency fund be? Which skills are harder for AI to replace?

In this episode of the Talk Money podcast, host Andrew Zhan and Lianhe Zaobao finance reporter Siow Zhi Hui speak to Dr Xu Le, Lecturer of Department of Strategy and Policy at NUS Business School, and David Law, Insurance Specialist from Havend. 

高学历、有经验，在新加坡就真的安全？现实刚好相反。最新数据显示，裁员率最高的竟是专业人士、经理等资深员工，连&ldquo;铁饭碗&rdquo;也不保了。
今年7月，新加坡<a href="https://www.zaobao.com.sg/keywords/zheng-fu-ke-ji-ju">政府科技局</a>宣布展开工作队伍转型，两年内将分阶段<a href="https://www.zaobao.com.sg/news/singapore/story20260715-9368154">裁退7%至9%的科技局人员</a>。
此外，电商平台<a href="https://www.zaobao.com.sg/finance/singapore/story20260623-9250397">Lazada在今年6月宣布将展开新一轮裁员</a>，涉及东南亚区域5%的员工，包括新加坡的相关岗位员工也受影响。
被裁员的那一刻该怎么办？应急基金要存多少个月才够？AI浪潮下，哪些技能不容易被取代？
这一期的联合早报播客《理财Talk!》，主持人詹靖禾和《联合早报》财经新闻记者<a href="https://www.zaobao.com.sg/byline/xiao-zi-hui">萧梓卉</a>邀请新加坡国立大学商学院策略与政策系讲师徐乐博士与Havend保险顾问罗正弘为你解析。
---
Educated and experienced, yet safe in Singapore? Not necessarily. Latest data shows retrenchment rates are highest among senior staff such as professionals and managers.
In July, <a href="https://www.zaobao.com.sg/news/singapore/story20260715-9368154">GovTech announced it will cut 7 to 9 per cent of its staff</a> over two years. In June, <a href="https://www.zaobao.com.sg/finance/singapore/story20260623-9250397">Lazada announced another round of layoffs</a>, affecting 5 per cent of its South-east Asia workforce, including Singapore.
What should you do if you are laid off? How big should your emergency fund be? Which skills are harder for AI to replace?
In this episode of the Talk Money podcast, host Andrew Zhan and Lianhe Zaobao finance reporter <a href="https://www.zaobao.com.sg/byline/xiao-zi-hui">Siow Zhi Hui</a> speak to Dr Xu Le, Lecturer of Department of Strategy and Policy at NUS Business School, and David Law, Insurance Specialist from Havend.&nbsp;

【播客】入职7个月，就被裁？2026年的今天，存多少钱才算“安全”？

【理财Talk!】如果被裁 你的存款撑得住吗？| If you get retrenched, can your savings survive?

《理财Talk!》是《联合早报》全新推出的月度财经视频访谈节目。

本节目聚焦每月最受关注的理财话题：从裁员应对、投资风险到退休规划，邀请理财规划师、经济学者及业界专家，用轻松直白的方式拆解复杂的财经议题。

主持团队由由UFM100.3 DJ詹靖禾与财经新闻记者搭档，深入浅出，让每一位观众都能"听得懂、用得上"。

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Talk Money is a new monthly video interview programme from Lianhe Zaobao.

Each episode focuses on the money topics that matter most to people that month, from coping with layoffs and investment risks to retirement planning. Financial planners, economists and industry experts break down complex financial issues in a relaxed, plain-spoken way.

The show is hosted by UFM100.3 DJ Andrew Zhan and a financial news journalist. Together they keep things clear and easy to follow, so every viewer comes away with advice they can understand and put to use.

《理财Talk!》是《联合早报》全新推出的月度财经视频访谈节目。
本节目聚焦每月最受关注的理财话题：从裁员应对、投资风险到退休规划，邀请理财规划师、经济学者及业界专家，用轻松直白的方式拆解复杂的财经议题。
主持团队由由UFM100.3 DJ詹靖禾与财经新闻记者搭档，深入浅出，让每一位观众都能"听得懂、用得上"。
---
Talk Money is a new monthly video interview programme from Lianhe Zaobao.
Each episode focuses on the money topics that matter most to people that month, from coping with layoffs and investment risks to retirement planning. Financial planners, economists and industry experts break down complex financial issues in a relaxed, plain-spoken way.
The show is hosted by UFM100.3 DJ Andrew Zhan and a financial news journalist. Together they keep things clear and easy to follow, so every viewer comes away with advice they can understand and put to use.

《理财Talk!》是《联合早报》全新推出的月度财经视频访谈节目。本节目聚焦每月最受关注的理财话题。

理财Talk！ | Talk Money

《理财Talk!》是《联合早报》全新推出的月度财经视频访谈节目。本节目聚焦每月最受关注的理财话题——

从裁员应对、投资风险到退休规划，邀请理财规划师、经济学者及业界专家，用轻松直白的方式拆解复杂的财经议题。

主持团队由由UFM100.3 DJ詹靖禾与财经新闻记者搭档，深入浅出，让每一位观众都能"听得懂、用得上"。

《理财Talk!》是《联合早报》全新推出的月度财经视频访谈节目。本节目聚焦每月最受关注的理财话题&mdash;&mdash;
从裁员应对、投资风险到退休规划，邀请理财规划师、经济学者及业界专家，用轻松直白的方式拆解复杂的财经议题。
主持团队由由UFM100.3 DJ詹靖禾与财经新闻记者搭档，深入浅出，让每一位观众都能"听得懂、用得上"。

理财Talk！ | Talk Money

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