As the Fed gears up for its last meeting of 2025, markets are buzzing about another potential rate cut. Saxo Bank’s Charu Chanana helps host Emily Liu decode the mixed economic signals coming out of the US and Japan.  We also dive into Singapore’s market movers: Ultra Green AI’s impressive debut and OCBC’s record-breaking run. What’s driving the excitement, and what might come next for investors?  Highlights: US rate cut outlook Jobs market slowdown Japan’s upcoming rate hike UltraGreen.ai’s IPO OCBC’s surprising rally --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Emily Liu With Charu Chanana, Chief Investment Strategist, Saxo Bank Edited by: Howie Lim  Produced by: Emily Liu and Howie Lim A podcast by BT Podcasts, The Business Times, SPH Media Follow Market Focus Weekly podcasts every Friday: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus 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.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Branded Podcasts at:bt.sg/brpod BT Lens On:bt.sg/btlenson

Headline news for December 5, 2025: President Putin heads to India to shore up trade, Europe tightens crypto oversight, Britain and Norway deepen sub-hunting defence ties, Southeast Asia cracks down on scam networks, and Singapore and Malaysia advance long-standing bilateral projects. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson  

Market news for December 4, 2025: Asian markets stumble as traders struggle to hold Fed cut rally; China steps in to slow yuan gains; Ringgit rally, fiscal strength fuel Malaysia’s bond momentum; Seoul’s red-hot housing price rally continues. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for December 4, 2025: A Pentagon probe flags mishandled strike data, President Trump moves to weaken fuel economy rules, Hong Kong’s fire toll rises, Thailand seizes major scam assets, and GXS Bank job cuts. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for December 3, 2025: Most Asian markets mixed as traders await key US data; Indian rupee weakens past 90 per US dollar; UltraGreen.ai shares up 7.6% at midday on SGX trading debut in largest non-Reit IPO since 2017; OCBC shares continue record-breaking streak to hit S$18.95 as wealth unit shines. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for December 2, 2025: Stocks unsteady amid Bitcoin and global bond selloff; OCBC’s shares hit record as wealth unit shines; More employers plan to freeze hiring, moderate wages as business sentiment dips. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for December 3, 2025: U.S.–Russia talks fail to advance a Ukraine peace deal; President Trump scraps all President Biden autopen documents; Malaysia juggles China–U.S. pressures; Japan’s services stay resilient; and Singapore employers brace for hiring freezes and wage restraint. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Family offices are rapidly reshaping Asia's wealth landscape, demanding institutional-grade private equity access. Join Howie Lim and Moonfare's Adam Banks to navigate this complex market and discover how Moonfare curates top-tier 'hidden gem' opportunities, leverages tech to lower barriers, and balances democratised access with the exclusivity ultra-high-net-worth clients demand. Synopsis: The Business Times Podcast Channel presents diverse perspectives, in-depth analysis and news covering career, business, markets, investing, current affairs and tech. This episode is produced in collaboration with Moonfare. Highlights: 01:06 Singapore a magnet for family offices 03:54 "Hidden gems" for differentiated alpha 06:54 Solving the pain point of liquidity and cashflow management 11:54 Leveraging global presence 14:04 The next frontier: the major trends  17:02 Balancing access and exclusivity More about: Moonfare Subscribe to Moonfare’s newsletter   Written and hosted by: Howie Lim (howielim@sph.com.sg) With Adam Banks, head of APAC, Moonfare Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Emily Liu Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT podcasts: Channel: bt.sg/pcOM Apple Podcasts: bt.sg/pcAP Spotify: bt.sg/pcSP Google Podcasts: bt.sg/pcGO Website: bt.sg/podcasts Feedback to: btpodcasts@sph.com.sg 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.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt PropertyBT: bt.sg/btpropertybt WealthBT:bt.sg/btwealthbt BT Market Focus: bt.sg/btmktfocus

Headline news for December 2, 2025: US–UK strike a tariff-free pharma deal; Macron heads to China as Asian floods kill thousands; Hong Kong blaze triggers nationwide safety checks; Korea inflation holds steady while Australia and New Zealand signal steadier policy paths. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

The surge in provisions that crushed UOB’s third quarter earnings might not be the lender’s only problem. Along with DBS and OCBC, it is also grappling with normalising net interest margins and soft net interest income. Meanwhile, non-interest income can be volatile and hard to forecast. BT’s Ben Paul offers his views on the outlook for the three Singapore banks. Highlights of the podcast: 00:24 Banks’ performance now cooling, diverging 05:21 Surging net interest margins are normalising 08:31 Did UOB’s big provisions spook the market? 14:19 How to position the banks in your portfolios --- Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.  --- Written and hosted by: Ben Paul (benpaul@sph.com.sg) Edited by: Howie Lim & Claressa Monteiro Produced by: Ben Paul, Howie Lim & Emily Liu A podcast by BT Podcasts, The Business Times, SPH Media Follow BT Mark To Market: Channel: bt.sg/btmark2mkt Apple Podcasts: bt.sg/4DJp Spotify: bt.sg/4DJN Website: bt.sg/mark2mkt    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.   --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Podcasts: bt.sg/pcOM BT Market Focus: bt.sg/btmktfocus BT Branded Podcasts: bt.sg/brpod BT Lens On: bt.sg/btlenson

Market news for December 1, 2025: Asian markets mixed as traders eye US data ahead of Fed decision; Japanese Yen rises as Bank of Japan signals rate hike coming up; Hong Kong stablecoin stocks slump after PBOC vows cryptocurrency crackdown; Manulife US Reit proposes strategic pivot to retail, living, industrial sectors. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for December 1, 2025: Netanyahu seeks a pardon as President Trump touts Ukraine peace prospects; Hong Kong reels after its deadliest fire; Sri Lanka faces catastrophic cyclone losses; China’s factories contract again as silver surges to record highs. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson  

Forget the blue chips. Singapore’s iEdge Next 50 indices are outperforming the STI by significant margins, signalling a seismic shift in market focus. Are mid-caps the new sweet spot for growth, offering higher potential with less small-cap volatility? Experts dissect the fundamentals, risk management strategies, and macro indicators essential for navigating this exciting segment. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:55 Assessing mid-cap fundamentals 04:44 Impact of analyst coverage 07:27 Portfolio integration 13:06 Macro outlook - key economic indicators --- 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 Chong Yik Ban, equity research analyst, Phillip Securities Research and Daphne Tan, head of business development, CMC Markets Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim  A podcast by BT Podcasts, The Business Times, SPH Media 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.  --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at : bt.sg/brpod BT Lens On: bt.sg/btlenson

This week on Market Focus Weekly, markets flip from disappointment to optimism as bets on a December US rate cut surge. Providend’s Cheng Chye Hsern joins host Emily Liu to unpack what changed. Plus, in tech, Google shakes up the AI race with Gemini 3 and new chip partnerships, sending ripples through Nvidia and Asian suppliers.  They also dive into Japan’s possible rate hike, China–Japan tensions hitting tourism, the Indian rupee’s slide, and whether a weaker US dollar is pushing Singaporean investors to rethink US investments. Highlights: 01:43 Rate cut in Dec? 03:20 Google’s AI moves 07:53 Bank of Japan rate hike 11:09 Indian rupee struggles 13:27 Temasek reassessing US dollar assets --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Emily Liu With Cheng Chye Hsern, head of investment, Providend Edited by: Chai Pei Chieh Produced by: Emily Liu and Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media Follow Market Focus Weekly podcasts every Friday: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus 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.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Branded Podcasts at:bt.sg/brpod BT Lens On:bt.sg/btlenson

Singapore’s skyline is growing fast — but how green are the buildings we live, work and play in?  This week on PropertyBT, senior correspondent Leslie Yee sits down with Schneider Electric’s Jackson Seng to unpack the real value of green buildings, from energy savings and tenant wellbeing to rental premiums and the risk of stranded assets.  They explore whether retrofitting can trump redevelopment, how Singapore stacks up globally, and why sustainability is becoming a business imperative rather than a buzzword.  If the future is green, what will it take for every building to get there? Synopsis: Hosted by senior correspondent Leslie Yee, PropertyBT from The Business Times shares insights on all things Singapore property to help you on your property investment journey. Episodes feature views and insights from property analysts.   Read Leslie’s article: https://www.businesstimes.com.sg/opinion-features/columns/tighten-en-bloc-rules-encourage-reuse-so-more-private-housing-blocks-stand-over-50-years --- Written and hosted by: Leslie Yee (lyee@sph.com.sg) With Jackson Seng, vice president, Schneider Electric Edited by: Emily Liu & Claressa Monteiro Produced by: Leslie Yee & Emily Liu Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow PropertyBT and rate us on: Channel: bt.sg/btpropertybt Apple Podcasts: bt.sg/pbAP Spotify: bt.sg/pbSP Google Podcasts: bt.sg/pbGO Website: bt.sg/propertybt Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt  BT Money Hacks at: bt.sg/btmoneyhacks BT Podcasts at: bt.sg/podcasts BT Market Focus at: bt.sg/btmktfocus BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlenson

Headline news for November 28, 2025: Russia demands Ukrainian withdrawal to end the war, Britons pan Reeves’ budget, and France revives military service. Asia reels from Hong Kong’s deadly fire, while India’s growth and Japan’s inflation remain firm. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

In today's volatile economic landscape, ultra-high net worth families face complex challenges in preserving their wealth and legacy across borders and generations. We delve into the world of private wealth management with Lighthouse Canton to navigate Asia's diverse financial ecosystem. Synopsis: The Business Times Podcast Channel presents diverse perspectives, in-depth analysis and news covering career, business, markets, investing, current affairs and tech. This episode is produced in collaboration with Lighthouse Canton. Highlights: 01:13 Asia's complex private wealth landscape 02:18 Three Cs for setting up a family office 04:44 Educating the next generation 05:55 Emerging investment opportunities 07:57 Beyond financial returns 10:04 Risk management in volatile markets More about: Lighthouse Canton Insights Lighthouse Canton Careers Lighthouse Canton Wealth Management --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Stella Lau, managing director, wealth management (Greater China), Lighthouse Canton; and Charlene Lin, managing director, strategic growth (North Asia and Southeast Asia), Lighthouse Canton Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT podcasts: Channel: bt.sg/pcOM Apple Podcasts: bt.sg/pcAP Spotify: bt.sg/pcSP Google Podcasts: bt.sg/pcGO Website: bt.sg/podcasts Feedback to: btpodcasts@sph.com.sg 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.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt PropertyBT: bt.sg/btpropertybt WealthBT:bt.sg/btwealthbt BT Market Focus: bt.sg/btmktfocus

Market news for November 27, 2025: Asian stocks track latest Wall Street rally as rate bets rise; South Korea keeps rates steady as FX risks limit easing scope; Indonesia launches year-end spending with 30 trillion rupiah stimulus; Cordlife requests trading halt following MOH order to stop collecting new cord blood. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 27, 2025: A deadly Hong Kong tower fire dominates regional headlines as Japan seeks to cool tensions with Beijing. South Korea holds rates. In Singapore CEOs outlast global peers, and new rules will curb near-full health-insurance coverage. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson  

Market news for November 26, 2025: Asian stocks extend global rally as data boost rate cut hopes; Japan's Nikkei surges after Wall Street's gains; Nvidia-Google AI chip rivalry escalates on report of Meta talks; Hong Kong home rents hit record high on strong Chinese demand; Nio shares drop on weaker outlook. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 26, 2025: Bolsonaro starts a 27-year sentence as the Trump Administration leans on Beijing for bigger purchases. Taiwan’s defence splurge, hotter Australian inflation and Singapore–Malaysia SEZ progress, while MFA warns against travel to flooded Songkhla. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 25, 2025: Asian markets advance as odds for another Fed rate cut grow; China asks airlines to cut flights to Japan until March 2026; OCBC launches Singapore’s first physical gold fund. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 25, 2025: US judge tosses high-profile case against Comey as France battles budget chaos. Asia watches Taiwan–China tensions and Korea’s rate pause, while Singapore expands diplomatic reach and steps up its mosquito-control programme. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson  

Market news for November 24, 2025: Alibaba shares jump 6.9% as new AI app draws 10 million downloads; Gold dips as US dollar firms on reduced rate-cut prospects; Rupee gains as RBI returns to defend currency after slump; Leadership changes at GoTo amid Grab merger rumours. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 24, 2025: Washington and Kyiv refine a new peace framework as the US counts the economic cost of its shutdown. Vietnam’s housing crunch, revived Canada-India trade talks, and Singapore boosts digital safety tools. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Feeling squeezed by school fees, ageing parents, and volatile markets? You’re not alone.  Howie Lim chats with OCBC’s Timothy Liew, a wealth-management pro and fellow parent, about investing wisely when life gets expensive. Timothy opens up about his disastrous first trade, how he builds his core-and-satellite portfolio, and why diversification beats get-rich-quick dreams every time.  Plus, Timothy has a surprising answer for what he thinks could outshine AI in the long run. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:23 Don’t take bad advice from friends 04:55 Timothy’s core and risk portfolio 07:54 Investing for his son’s future 11:40 Advice for surviving volatile markets 14:20 There’s no shortcut to wealth --- 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 Timothy Liew, head of investments, wealth management, OCBC Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- 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.  --- 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

Markets woke up on the wrong side of the bed this week, with the S&P 500 staging its sharpest intraday reversal since April and Asia promptly following suit. What’s driving the unease — overheated AI valuations, Nvidia’s much-watched outlook, or deeper worries of a looming correction?  Franklin Templeton’s Dina Ting joins Emily Liu to break down the confusion in US markets, Japan’s massive and controversial new spending plan, and the sudden crypto slide making headlines as the “Great Crypto Crash of 2025.” Highlights: 01:30 AI valuation fears 04:26 Overconcentration in AI and the US 08:11 Is a market correction brewing? 11:47 Japan’s new big budget plan 13:21 Bank of Japan’s next move 15:32 Is crypto crashing out? --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Emily Liu (emilyliu@sph.com.sg) With Dina Ting, head of Global Index Portfolio Management, Franklin Templeton Edited by: Chai Pei Chieh & Claressa Monteiro Produced by: Emily Liu & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Weekly podcasts every Friday: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 21, 2025: Asia markets sink as global tech jitters return, Japan’s factory slump drags on, as South Korea’s chip exports hold firm. Singapore upgrades 2025 growth and narrows NODX forecasts amid cooling global momentum. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 20, 2025: Asian stocks rally as bumper Nvidia report offsets Fed rate concern; Japan’s 21 trillion yen stimulus package sends bond yields high, yen weak; SGX-Nasdaq dual-listing highway to debut in 2026. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 20, 2025: Regional markets watch fresh Middle East tensions, UK consumer gloom and US legislative infighting, Malaysia’s time-zone debate, and Singapore pushes dual listings and accelerated MRT upgrade closures. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 19, 2025: Asian markets wobble as Nvidia takes centre stage amid AI bubble fears; Hedging costs ‘becoming too much’ as US dollar weakens, says Temasek chief; Everyday investors are driving Pakistan’s 40% stock rally. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 19, 2025: Fresh geopolitical strain as Japan warns citizens in China, South Korea signs on to a UAE-led AI mega-campus, and Singapore urges deeper China ties amid global shifts, against a backdrop of US political turbulence. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 18, 2025: Japan's Nikkei plunges by most in seven months on tech selloff; Japan’s Takaichi under pressure as yen and bonds slide; Bitcoin drops to a 7-month low while global stocks sell off. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 18, 2025: UN backs the Gaza plan, rising UK refugee tensions, China blocking Japanese films, RBA policy ambiguity, a stronger ringgit, Hong Kong’s property strain, and higher ERP charges in Singapore. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 17, 2025: Asian markets struggle as fears build over tech rally, US rates; Bitcoin erases gains this year amid crypto bear market; First Resources shares rise 8.8% on Q3 profit surge. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

2025 hasn't been the best year for F&B in Singapore, with multiple restaurants and chains closing down. In today's episode, we sit down with Alex Chua and Jose Alonso from AC Concepts to discuss all things F&B. Are landlords are really to blame for the recent F&B closures? Are Home-based businesses unfairly competing with restaurants? What is it really like to work as a chef, and more. Timestamps: 01:16 - Alex and Jose introduction 01:51 - What is AC concepts 03:50 - The reality of working as a chef 06:27 - How they decide on the menu 08:39 - “restaurant is not food” 13:58 - Singaporeans = experts on Japanese food? 18:53 - On F&B businesses shutting down 20:54 - On landlords raising rent 24:54 - Are people dining out less? 26:49 - Home-based businesses = competition? 30:02 - On Chinese brands like Haidilao and Mixue etc 32:41 - Is local hawker culture dying? 34:48 - Thoughts on food influencers/social media 36:43 - Final words of advice     Credits: Written by: Daryl Choo and Andrew Wong Hosted by: Lynette Koh and Andrew Wong Edited by: Andrew Wong Produced by: Daryl Choo Send your questions, thoughts, story ideas, and feedback to thrivebt@sph.com.sg ------ Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlenson

Headline news for November 17, 2025: Asia opens the week on a mixed note as Japan slips into contraction, Bangladesh faces political unrest, and Singapore posts a surge in exports with markets watching U.S.–China rare-earth talks. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

If you’re worried about inflation eating into your savings, discover the art of "right-siting" your insurance. We're not just cutting premiums; we're freeing up capital for smarter investments. Learn how to identify over-insurance, maximise value, and even use tech tools to ensure your coverage fits your evolving life. Howie Lim speaks to Chan Wai Kit from Life Insurance Association (LIA) for help. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:12 Growing trend of "right-siting" amidst inflation 03:29 Maximising insurance value 09:55 Making money from your insurance portfolio 13:34 Tools to help --- 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 Chan Wai Kit, executive director, Life Insurance Association (LIA) Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- 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.  --- 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

After more than 40 days, the US government shutdown has finally ended. What happens next? Plus, the Federal Reserve’s uncertain December decision, volatile AI valuations, and Japan’s new Prime Minister’s push for a more flexible budget plan. And, the Malaysian ringgit is staging an impressive comeback. BNY’s Asia-Pacific macro strategist Wee Khoon Chong joins Emily Liu to break it all down. Highlights: 01:23 US shutdown ends 03:11 Fed’s uncertain next move 04:03 Hot AI valuations 08:18 Japan’s new budget 09:58 BOJ’s dilemma 12:36 Ringgit’s rise --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Emily Liu (emilyliu@sph.com.sg) With Wee Khoon Chong, Asia-Pacific macro strategist, BNY Edited by: Chai Pei Chieh & Claressa Monteiro Produced by: Emily Liu & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Weekly podcasts every Friday: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 14, 2025: Asian stocks slid as Fed hawks dashed rate-cut hopes, while Japan faces a wave of early retirements and Thailand’s economy slows. Singapore’s HDB resale market slumps to its lowest sales since 2020. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 13, 2025: Asian stocks stutter with focus on Fed, tech after US reopen vote; Yen dips to record low against euro; Ringgit strength, robust spending set stage for Malaysia’s strongest quarterly growth in 2025; ST Engineering shares jump as much as 4.2% on revenue increase, special dividend. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 13, 2025: Asia markets steady as Japan signals patience on rate hikes and Malaysia readies upbeat GDP data. Singapore launches a new pandemic agency, while the U.S. inches toward ending its record shutdown. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Think "sustainability" is just for corporate giants? Think again. Howie Lim chats with DBS's Chen Ze Ling and Crestar Fans' Shawn Lee to discover how an SME is revolutionising its business with eco-friendly practices and how DBS is making ESG accessible for all. Prepare for insights and inspiration. Synopsis: The Business Times Podcast Channel presents diverse perspectives, in-depth analysis and news covering career, business, markets, investing, current affairs and tech. This episode is produced in collaboration with DBS. Highlights: 02:36 Challenges SMEs face in sustainability 04:27 Drivers for SMEs to adopt sustainability 06:59 Three key features of the DBS ESG Ready Programme 09:02 Crestar's experience in the programme 11:48 Clear business value delivered by the programme More about: DBS SME Banking DBS ESG Ready Programme --- 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 Chen Ze Ling, managing director and group head of corporate and SME Banking, DBS Bank and Shawn Lee, COO, Crestar Fans Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Podcasts: Channel: bt.sg/pcOM Apple Podcasts: bt.sg/pcAP Spotify: bt.sg/pcSP YouTube Music: bt.sg/giK9 Website: bt.sg/podcasts Feedback to: btpodcasts@sph.com.sg 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.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Lens On: bt.sg/btlenson

Market news for November 12, 2025: Asian markets up on hopes over shutdown deal, rate cut; Softbank Group sells entire Nvidia stake to fund AI investment; Ringgit hits year’s high against Singdollar; UOB outlook lags that of DBS, OCBC amid spotlight on asset quality in Q3. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 12, 2025: Asia markets steady as the U.S. shutdown nears resolution. Deadly blasts shake India and Pakistan, while Malaysia eyes a cabinet reshuffle. Singapore urges pay hikes for lower-wage workers amid cautious economic optimism. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Market news for November 11, 2025: Asian markets fall despite US shutdown ending; Japan 30 year bond yields rise amid fiscal concerns; Temasek to move away from direct investing in early-stage startups. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

If you’re worried about the hidden costs of long-term care, you're not alone. Most Singaporeans underestimate the financial strain, but Singlife's Helen Shen reveals the shocking truth and common misconceptions. Discover why long-term care isn't just for the elderly and how to safeguard your finances and your loved ones. Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua. Highlights of the podcast: 01:40 Perception gap regarding costs 03:21 Common misconceptions 08:33 Singapore becoming a super-aged society 10:13 Criteria for claims, balancing adequacy and affordability 11:49 Value added by private insurance supplements --- Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.  --- Written and hosted by: Genevieve Cua (gen@sph.com.sg) With Helen Shen, group head of products, Singlife Edited by: Howie Lim & Claressa Monteiro Produced by: Genevieve Cua, Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Correspondents: Channel: bt.sg/btcobt Amazon: bt.sg/btcoam Apple Podcasts: bt.sg/btcoap Spotify: bt.sg/btcosp YouTube Music: bt.sg/btcoyt Website: bt.sg/btcorresp 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. --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Podcasts: bt.sg/pcOM BT Market Focus: bt.sg/btmktfocus BT Lens On: bt.sg/btlenson

Market news for November 10, 2025: Asian markets boosted by hopes for deal to end US shutdown; Australian dollar climbs on US shutdown hopes, hits 12-year high on kiwi; Japan to push stimulus plan, urges BOJ to keep interest rates low; OCBC shares continue rally to hit all-time high after strong Q3. Synopsis: Market Focus Daily is a closing bell roundup by The Business Times that looks at the day’s market movements and news from Singapore and the region. Written and hosted by: Emily Liu (emilyliu@sph.com.sg) Produced and edited by: Chai Pei Chieh & Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Market Focus Daily and rate us on: Channel: bt.sg/btmktfocus Amazon: bt.sg/mfam Apple Podcasts: bt.sg/mfap Spotify: bt.sg/mfsp YouTube Music: bt.sg/mfyt Website: bt.sg/mktfocus Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson

Headline news for November 10, 2025: The U.S. inches toward ending its 40-day shutdown as air travel chaos deepens. Asia grapples with storms and fiscal shifts, while Singapore sees rising insurance premiums and leadership renewal signals from PM Lawrence Wong. Synopsis: A round up of global headlines to start your day by The Business Times.  Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg)  Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg 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.  Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlenson  

Forget slogging until 65 before retiring or taking a break. Discover the rising trend of mini-retirements – a "Project You" career pause that's surprisingly achievable. Howie Lim gets experts to reveal how to plan, fund, and navigate these strategic breaks, turning your financial fears into a roadmap for investing in yourself. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:00 Three-bucket system for mini-retirement 04:54 Framing mini-retirement as an investment 08:28 Re-entry into the workforce and career changes 11:03 Building alternative income streams --- 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 Ishan Sarkar, head of wealth & premier solutions, HSBC Singapore; Nick Tong, head of intermediary distribution, Southeast Asia, T. Rowe Price; and Jason Ang, senior wealth advisory lead, Syfe Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- 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.  --- 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