Advertise on podcast: The DollarsAndSense Podcast

Would you work an extra day every week for $1,000 more a month? That's an additional $12,000 a year. But is the extra income worth giving up your evenings, weekends or personal time? In this episode of the DollarsAndSense Podcast, Tim, Feng Yi and Deanna debate what it really takes to earn more — whether through side hustles, career progression or taking on additional responsibilities at work. Feng Yi shares the realities of juggling freelance hosting with a full-time job, while Deanna questions whether investing that same time into career growth could offer better long-term returns. They also discuss a $500 freelance project that took around 20 hours, the hidden costs of side hustles and whether employees with outside commitments are unfairly perceived as less dedicated. *What would you choose: more work for more money, or less pay for more free time?*

If the market suddenly falls 20% or 30%, should you keep investing the same amount — or is that exactly when you should invest more? Dollar-cost averaging (DCA) is popular for a reason: invest a fixed amount regularly, stay disciplined and avoid trying to predict where markets are heading. But there’s an interesting limitation. If prices fall significantly, traditional DCA still tells you to invest the same amount. So, could there be a systematic way to buy more when markets are relatively cheaper — without relying on fear, greed or gut feeling? In this episode of the DollarsAndSense Podcast, we sit down with Chloe Lin from ArigatoInvestor to explore DCA, “buying the dip”, and Webull’s Dynamic Regular Savings Plan (Dynamic RSP), which adjusts how much you invest based on predetermined market conditions. We discuss: • Why DCA remains one of the simplest ways to build investing discipline • Why actually buying more during a market downturn can be psychologically difficult • How Dynamic RSP uses moving averages to adjust investment amounts • How a regular $500 investment could become $600 or even $1,000 as market conditions change • Whether this is really “timing the market” • The difference between using 120-, 250- and 300-day moving averages • Why the underlying investment matters more than the investing strategy itself • Why ETFs may be more suitable than individual stocks for this type of long-term strategy • The cash-flow risk investors need to consider before setting up Dynamic RSP • When traditional DCA may still be the better choice Chloe also shares a 25-year backtest comparing regular monthly investing with Dynamic RSP, and why changing how much you invest during different market conditions could make a difference over a long investment horizon. Ultimately, the best investing strategy isn’t necessarily the most sophisticated one. It’s the one you understand, can afford, and can consistently stick with. This episode is brought to you in collaboration with Webull Singapore. Ready to start investing? Open a Webull trading account via Singpass and access the US, Hong Kong and China markets, along with a range of investing tools and features. 👉 Open a Webull account and check out the latest offers here: https://dollarsandsense.link/webull

With US markets experiencing sharp swings, how can investors build their portfolios while managing volatility and keeping trading costs low? In this episode of the DollarsAndSense Podcast, host Feng Yi speaks with Vik, Director and Head, Securities Retail Sales at Phillip Securities, about navigating market volatility, dollar-cost averaging, and how zero-commission investing can help investors build their portfolios more cost-efficiently. We also explore the POEMS Cash Plus account, which offers zero commission and zero platform fees for US stock trading, and discuss how investors can evaluate trading costs alongside other factors when making investment decisions. From buying the dip to managing US dividend withholding tax, discover practical insights to help you make more informed investment decisions. Explore zero-commission US stock trading with the POEMS Cash Plus account. 👉 Learn more about POEMS: https://www.poems.com.sg/stock-research/] 👉 Open a POEMS account: [https://www.poems.com.sg/cash-plus/] Disclaimer This material is provided to you for general information only and does not constitute an investment advice, a recommendation, an offer or solicitation to subscribe for, purchase, sell or redeem any investment product or services mentioned herein. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs. Any views or opinions are personal and expression of belief, information may be obtained from public sources which the Company has no reason to believe are unreliable and is subject to changes. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or damages of any kind arising whether directly or indirectly as a result of your reliance or acting based on this information. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of units in any fund and the income from them may fall as well as rise. You should obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase the investment product or obtain any of the services mentioned herein. In the event you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product or services are suitable for you before proceeding to invest. This advertisement has not been reviewed by the Monetary Authority of Singapore. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: https://www.instagram.com/emceefeng/ 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

Singapore investors may know SGX for local stocks, but Singapore Depository Receipts (SDRs) offer access to selected overseas-listed companies while still trading in Singapore dollars during SGX market hours. In this episode of the DollarsAndSense Podcast, Feng Yi and Deanna speak with Bernice, SGX’s product manager for SDRs, and Han Hui, a trading representative from UOB Kehian, to explain how SDRs work and where they may fit in a portfolio. They explain what investors actually own, how pricing and conversion ratios work, and how liquidity compares with buying overseas directly, including why trading in SGD does not remove foreign exchange risk. The discussion also explores how SDRs can help diversify into sectors less represented in Singapore. A key takeaway is that being familiar with companies like Grab or Sea as a user is very different from evaluating them as investments, which still requires assessing business models, growth, risks and valuation. Bernice and Han Hui also share when SDRs may be useful, and when investing directly overseas may still be more appropriate. Watch this episode for a clear breakdown of SDRs, the trade-offs involved, and what investors should consider before adding them to a portfolio. 00:35 Investing beyond Singapore through SGX 03:37 What exactly is an SDR? 04:47 Do SDR investors own the underlying shares? 05:43 Understanding conversion ratios 06:39 How an SDR price is calculated 07:32 Why investors may choose SDRs 08:39 Comparing the total cost of investing 09:57 SDR liquidity versus overseas shares 11:01 How Singapore investors are using SDRs 12:40 Why Singapore-dollar trading still has FX risk 13:23 Bite-sized investing and position sizing 16:09 Diversifying beyond Singapore sectors 17:29 Evaluating SpaceX, Sea and Grab as investments 20:50 How retail investors are using SDRs 22:05 SDRs versus investing directly overseas 23:01 The risks investors should understand 25:43 When might an SDR be worth considering? Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: https://www.instagram.com/emceefeng/ https://www.instagram.com/deedeelsm/ 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

CFDs allow traders to take advantage of short-term market movements, whether prices are rising or falling. They can also be used to access global markets, trade with leverage or hedge an existing investment portfolio. However, CFD trading is very different from long-term investing. While leverage can give you greater market exposure with less upfront capital, it can also amplify your losses when a trade moves against you. In this episode of DollarsAndSense Markets, Alex Furber, Head of Client Engagement at Maybank Securities, explains how CFD trading works, why traders use it and the risks that investors need to understand. We also discuss going long and short, trading around market news, managing margin calls and why discipline may be more important than correctly predicting every trade. CFDs can be a useful tool, but they should never be treated as a shortcut to making quick money. 00:00 Introduction 03:25 What Is CFD Trading? 04:18 Common Misconceptions About CFDs 05:36 Why Do Traders Use CFDs? 10:28 Using CFDs For Short-Term Trading 14:46 How Leverage Works In CFD Trading 16:18 Accessing Global Markets And Going Long Or Short 20:05 The Biggest Risks Of CFD Trading 22:23 Practical Risk Management Strategies 27:29 Who Is CFD Trading Suitable For? This Markets season is proudly brought to you in collaboration with Maybank Securities. Disclaimer: This advertisement has not been reviewed by the Monetary Authority of Singapore. For general information only and do not constitute an inducement, recommendation, offer, or solicitation to buy or sell any of the securities mentioned. Past performance is not indicative of future results. This interview does not take into account your specific investment objectives, financial situation or particular needs. All investments carry risks, and may not be suitable for all investors. Please seek independent advice to ensure you fully understand these risks and that an investment product is suitable for you before investing. Maybank Securities Pte. Ltd is not liable for any loss or damage, including without limitation loss of profit, which may arise directly or indirectly from this interview. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: https://www.instagram.com/emceefeng/ 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

Having insurance does not automatically mean you are adequately protected. A serious illness, accident, loss of income, or unexpected family situation can change your finances overnight. The key question is whether your coverage can support you and your dependants when it matters most. Recorded on-site at InsureXpo by CIMB 2026, host Deanna Lim and Helen Shen from Singlife discuss common protection gaps in Singapore, why insurance should work alongside wealth building, and how caregiving for ageing parents can create both emotional and financial strain. Helen also shares how to review multiple policies, understand exclusions, and build protection step by step even on a tight budget. In this episode, we explore why people delay protection planning, the false sense of security from simply owning policies, and how a parent’s health crisis can impact the whole family. We also cover key questions to ask your adviser, the importance of reviewing older policies, sufficient medical and hospitalisation coverage, and how insurance supports long-term financial resilience. Finally, we discuss how to start small and three simple protection checks to do this year. The goal is not to own more policies, but to ensure your coverage matches your life stage, responsibilities, and financial priorities. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ 🎧 Listen to our podcast on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Deanna Lim https://www.instagram.com/deedeelsm?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== 📩 Don't forget to subscribe to our e-newsletter for the latest updates: https://dollarsandsensesg.link/dollarsandsensenewsletter

How much money do you really need to retire comfortably in Singapore? Is the famous $1 million retirement goal realistic, or should you be focusing on something else? In this special episode of the DollarsAndSense Podcast, filmed live at **InsureXpo by CIMB 2026, we sit down with Prof Sharon Ng to discuss what financial independence actually means—and why retirement planning isn't just about hitting one magic number. In this episode, we cover whether $1 million is enough for retirement, how to calculate your own retirement needs, why financial independence looks different for everyone, common retirement planning mistakes, the importance of insurance and protecting your financial future, habits that help you build long-term financial security, and the "Sleep Test", a simple way to know if you're financially prepared. Whether you're just starting your career or already planning for retirement, this conversation offers practical insights to help you build lasting financial confidence. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Market volatility can be uncomfortable, but it's also a normal part of investing. In this special episode of the DollarsAndSense Podcast, recorded live at InsureXpo 2026 by CIMB, we speak with Diana Teo, Team Lead, Equities at CIMB Chief Investment Office, about how investors can stay disciplined when markets become uncertain. We discuss why emotions often become the biggest obstacle to long-term investing, how investors can distinguish between rational decisions and fear-driven reactions, and why having a clear investment plan matters before market volatility strikes. Diana also shares practical insights on diversification, portfolio resilience, and the investing habits that can help investors stay focused on their financial goals. In this episode: • Why volatility is a normal feature of markets • How fear and emotions can hurt investment returns • The importance of diversification and portfolio discipline • How to avoid getting distracted by market headlines • Why consistency often beats trying to time the market • 3 investing fitness checks every investor should do this year Whether you're investing for retirement, financial independence, or long-term wealth building, this conversation offers practical strategies to help you stay focused when markets become challenging. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Scams are becoming more sophisticated and Singaporeans are attractive targets because of our savings, digital habits and trust in official communications. In this episode of the DollarsAndSense Podcast, Feng Yi and Timothy discuss why scam and cybercrime remain a major concern in Singapore, why seniors may be especially vulnerable to high-value losses, and how different age groups are targeted through different scam tactics. We cover: - Investment scams promising low risk and high returns - Government impersonation scams involving CPF, Singpass and alleged investigations - Why scammers use urgency, fear and authority to pressure victims - How AI-generated voices, faces and messages can make scams harder to spot - CPF safeguards, including daily withdrawal limits, the CPF Withdrawal Lock, - Trusted Contact Notification Service and CPF Safety Switch - How ScamShield and simple digital habits can help protect you and your loved ones One important reminder: never make a financial decision because someone on the phone or in a message is pressuring you to act immediately. Pause, verify through official channels, and speak to someone you trust before transferring money or sharing personal information. Share this episode with your parents, grandparents and loved ones. Staying informed is one of the best ways to protect the people around us. This podcast episode is brought to you in collaboration with CPF. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Can ordinary Singaporeans really build $10 million by age 65? In this special episode of the DollarsAndSense Podcast, recorded live at InsureXpo 2026 by CIMB, we sit down with Mr Loo Cheng Chuan, founder of the 1M65 movement, to discuss his latest and most ambitious idea yet: 10M65. When 1M65 was first introduced, many people believed it was impossible. Today, countless Singaporeans have embraced the concept of using CPF strategically to build retirement wealth. Now, Mr. Loo is raising the bar again, from $1 million to $10 million by age 65. We discuss whether 10M65 is a realistic goal for ordinary Singaporeans, how CPF and SRS fit into the strategy, why he believes in investing during market crashes, and his controversial views on property upgrading, retirement planning, and long-term wealth building. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: https://dollarsandsensesg.link/dollarsandsensenewsletter

Is $1 million enough to retire comfortably in Singapore? For years, hitting the million-dollar mark has been seen as the ultimate financial milestone. But in today’s world, rising costs, longer lifespans, and inflation, is it really enough? In this episode, we break down how long $1 million can actually last, the impact of inflation and healthcare costs, why your lifestyle matters more than the number itself, the investment strategies that can help stretch your retirement savings, and the common mistakes people make when building wealth. We’re joined by Yu Sheng from Maybank Securities, who shares practical insights on investing, retirement planning, and how to grow (and protect) your wealth over time. This video is brought to you in collaboration with Maybank Securities. Disclaimer: For general information only and do not constitute an inducement, recommendation, offer, or solicitation to buy or sell any of the securities mentioned. Past performance is not indicative of future results. This interview does not take into account your specific investment objectives, financial situation or particular needs. All investments carry risks, and may not be suitable for all investors. Please seek independent advice to ensure you fully understand these risks and that an investment product is suitable for you before investing. Maybank Securities Pte. Ltd is not liable for any loss or damage, including without limitation loss of profit, which may arise directly or indirectly from this interview. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

Most Singaporeans go to Johor Bahru thinking they’ll save money — on petrol, groceries, meals or a quick massage. But after factoring in the travel time, queues at the checkpoint and everything else that happens along the way… is it still worth it? In this episode of the DollarsAndSense Podcast, we speak to a frequent JB traveller who makes the trip almost every week. From how she plans her trips to avoid the worst jams, to where she actually goes (beyond the usual City Square and KSL), we unpack what JB trips really look like today and whether the savings are as straightforward as they seem. • How much you can realistically save (hint: not always as much as you think) • The best areas beyond City Square & KSL (Eco Botanic, Mount Austin, Sunway) • Where groceries are cheapest (NSK vs Jaya Grocer) • Why nails, healthcare & dentist visits are big savings • How to avoid checkpoint jams (apps + timing tips) • Hidden costs Singaporeans often overlook So… are we really saving money, or just finding excuses to go JB more often? Special thanks to YouTrip for sponsoring this episode!  If you are travelling to Malaysia this school holiday, enjoy S$18 cashback when you spend a min. of RM1,500 from now till 06 Apr! T&Cs apply.  Not on YouTrip yet? Download the YouTrip app and sign up with promo code 'DNS5' to receive S$5 welcome credit! Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Co-host: Feng Yi https://www.instagram.com/emceefeng Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

For many Singaporean investors, dividend investing often starts and ends with local blue-chip stocks. Banks, REITs, telcos. Familiar names, steady payouts, reliable income. But what if you could earn dividends beyond Singapore — while tapping into the long-term growth potential of ASEAN’s developing economies? In this episode, we sit down with Paul Ho from UOB Asset Management and Miko Huang from FTSE Russell to unpack a practical, fuss-free way to gain regional dividend exposure: the UOBAM Ping An FTSE ASEAN Dividend Index ETF. We also discuss why Singapore investors may want to diversify beyond local dividend stocks, the “3 Ds” behind the strategy, Dividends, Demographics and Diversification, and how the FTSE ASEAN ex REITs Target Dividend Index is constructed, including what a 100% dividend uplift really means. We touch on how the index screens out dividend traps, its country exposure across Singapore, Indonesia, Thailand, Malaysia and the Philippines, as well as currency risk and market volatility. If you’ve been relying heavily on Singapore stocks for income, this episode explores how you can broaden your dividend sources without stock-picking across multiple ASEAN markets — as part of a long-term, diversified approach rather than a quick yield chase. This podcast is brought to you in collaboration with UOB Asset Management. For more details on UOBAM Ping An FTSE ASEAN Dividend Index ETF, check out https://www.uobam.com.sg/our-funds/highlights/uobam-ping-an-ftse-asean-dividend-index-etf/index.page Disclaimer - • Distributions (in SGD) are not guaranteed. Distributions may be made out of income, capital gains and/or capital. This relates to the disclosed distribution policy as set out in the Fund’s prospectus. • For more details on UOBAM Ping An FTSE ASEAN Dividend Index ETF, check out https://www.uobam.com.sg/our-funds/highlights/uobam-ping-an-ftse-asean-dividend-index-etf/index.page • A potential investor should read the prospectus (or profile statement) before deciding whether to subscribe for or purchase units in the Fund. •The value of the units in the Fund and the income accruing to the units, if any, may fall or rise, and is likely to have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund. • You may wish to seek advice from a financial adviser before making a    commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. • This is a sponsored post. This advertisement has not been reviewed by the Monetary Authority of Singapore. Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

Buying a home is just the start. How you plan for housing affects your retirement — and even your healthcare later in life. In this episode, we break down the real numbers behind housing affordability, retirement payouts, and healthcare costs in Singapore, using CPF planners to show what’s realistic — and what many people overlook. Many thanks to CPF Board for sponsoring this episode. The discussion features CPF’s official planning tools to help Singaporeans better understand housing, retirement and healthcare planning. Check out the various handy planning tools here: https://www.cpf.gov.sg/member/plan-with-cpf Read more: https://dollarsandsense.sg/retirement-health-insurance-home-ownership-cpf-planner-tools-financial-decisions/ Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

Most of us already have insurance like MediShield Life, life insurance, or critical illness plans. But what about all the other common accidents and injuries that don’t require hospitalisation, sprains, falls, sports injuries, food poisoning, dengue, or even a quick A&E visit? In this episode, we explore the often-overlooked Personal Accident (PA) Plan, and why it can be an important complement to your existing coverage. We also look at how My GREAT PA Plan from OCBC provides medical reimbursements, hospital cash payouts, and even coverage for specific sicknesses — all from as little as $0.84 a day. Whether you’re active, travel often, or just want peace of mind, this episode explains why a PA plan might be worth considering. Underwritten by Great Eastern Life Assurance Company Limited, a wholly owned subsidiary of Great Eastern Holdings Limited, part of the OCBC Group. This plan is not a bank deposit and OCBC Bank does not guarantee or have any obligations in connection with it. This document does not take into account your particular investment and protection aims, financial situation or needs. You may want to seek advice from a financial adviser before committing to buy the product. If you choose not to seek advice from a financial adviser, you should consider whether the product is suitable for you. You may terminate the policy during the free-look period (if any) if you decide that the purchased policy is not suitable for you. Note that by doing so, the insurer may recover from you any underwriting expense incurred. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost. This document is for general information only. It is not a contract of insurance or an offer to buy an insurance product or service. It is also not meant to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. If you are interested in the insurance policy, you should read the product summary and policy illustration (available from us) before deciding whether to buy this product. We do not guarantee, represent or warrant that any of the information provided in this document is accurate and you should not rely on it as such. We do not undertake to update the information or to correct any inaccuracies. All information may change without notice. We will not be liable for any loss or damage arising directly or indirectly in connection with or as a result of you acting on the information in this document. This advertisement has not been reviewed by the Monetary Authority of Singapore. Policy Owner’s Protection Scheme This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg) Follow us on our socials: Facebook: https://www.facebook.com/DollarsAndSenseSG Telegram: https://t.me/dollarsandsense Instagram: https://www.instagram.com/dnssingapore/ Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdb Don’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter