Chills with TFC

What makes an artwork worth $2,000 today, but potentially $20,000 or even $150,000 in the future? Unlike stocks, art doesn't come with financial statements or easily accessible market prices. So who actually decides what a painting is worth, and can buying art really be a profitable investment? In this episode of Chills with TFC, we speak with Alan Koh, Fair Director of Affordable Art Fair Sin...

How much time do you actually need to become a good investor? For most working adults, spending hours watching charts, tracking every headline and hunting for the next hot stock sounds exhausting. Thomas Chua thinks investing doesn’t have to work that way. He started learning about investing as a teenager, opened his first brokerage account at 18, and spent years trying different approaches. From...

Everyone talks about India’s growth. But how much are you paying for that growth? That is where the conversation gets more interesting. India can have strong fundamentals, rising consumption and companies with long growth runways, while its stock market can still look expensive at certain points. Both things can be true. In this episode of Chills with TFC, Jermyn Wong of UTI Investment Singapore b...

Kevin thought he had found someone he could trust. They met through a property-investing community. The other man spoke about family, long-term relationships and business. The first payments arrived without Kevin even needing to chase. Over time, that trust grew into multiple deals… and eventually into borrowed money. Then the rhythm changed. Payments needed reminders. A few days became longer del...

Jeremy Ko’s first gym died after about a year. No triumphant founder montage. He was fresh out of NS, knew fitness, but did not yet know how to run the business. That failure gave him the thing he could not buy from a franchise deck: context. More than a decade later, he says his group has 25+ gyms, alongside fitness equipment, sports supply and climbing businesses. The part worth stealing is not...

Would you buy an ETF just because it is cheaper, more tax-efficient and easier to access from Singapore? With new UCITS ETFs coming to SGX, that choice is about to become much more relevant for local investors. But convenience is only one part of the equation. In this episode of Chills with TFC, Reggie, Dawn, Chuin Ting Weber and Kang Wei Chin unpack what investors should actually look at before c...

Most of us plan for the hospital bill. But what happens if you cannot work for months… or even a year? Daniel was chasing FIRE. Then cancer forced him to stop working… but not in the way he had planned. At 34, Daniel found a lump after a 5km run. Nine days later, he was diagnosed with stage 2B Hodgkin lymphoma. Six months of chemotherapy followed: 12 sessions, 13kg lost and a treatment bill of ove...

For years, the credit card debate had two camps: Team Miles or Team Cashback. Now, Trust Bank is adding a third contender, which is Stockback. This week on Chills with TFC, Reggie sits down with Dawn from SG Budget Babe, personal finance YouTuber Demi Zhuang and Johnathan Chua from The Daily Ketchup Podcast to compare how they reward their spending. Dawn reveals why becoming a mum pushed her from...

His first salary in Jakarta was S$150 a month. He saved 40% of it. Eleven years on in Singapore, he sits seven or eight years out from a S$2.5 million FIRE number, with two kids and a helper. Meet Deka, the Indonesian professional who built 630,000 subscribers in eighteen months teaching the thing his banker friends in Jakarta had never heard of: index investing. No gurus, no hot tips, no McLaren...

Singapore's National Day Rally 2026 changed how family support works. In the past, families got a bigger payout for each additional child, more money for the second child, even more for the third. That system is gone. Every child now receives the same flat support each year, no matter their birth order. Our guests explained why this matters more than the dollar amount itself: incentive-based payou...

Everyone says Singapore stocks are going cheap. So one guest pulled the Bloomberg numbers before walking into the studio: small caps here trade at 13 times earnings on average. Hong Kong? About four. Malaysia, 11. Her verdict: not undervalued. "Fairly priced." Meet Lawrence Loh, the NUS professor who has scored SGX-listed companies on governance for over a decade, and Hwee Li Ong, the SAC Capital...

Most investors love talking about equities. But in a world of higher interest rates, geopolitical uncertainty, tariff risks, AI disruption, and shaky market narratives, fixed income may be more interesting than many people realise. Natalie Tan , Head of Wholesale for Southeast Asia, and Nathaniel Wilson , Fixed Income Investment Specialist at Aberdeen Investments, break down how bonds, credit stra...

Burnout stories are common. What is rare is someone who actually steps off the “helicopter track” and rebuilds life from scratch. Dr Faith Nadine Choo, The Side Quest Doctor, did exactly that. After clocking 70 to 80 hours weekly and surviving 30‑hour hospital calls, she realised she was running on empty. Her turning point came during a palliative posting, watching a patient her age face terminal...

A millionaire tennis coach sounds like a flex… until you hear the grind behind it. Meet Jun Chong , a tennis coach who started the sport "too late" at 13, who runs Jun Tennis Academy in Singapore, and who today is a self-made millionaire investor behind SGWealthJourney. Explore his story on the early gains that made him cocky, the all-in earnings gambles that almost wiped him out, and the painful...

Many retail investors chase tips, trends and rumours, yet overlook the one thing that consistently improves results: better thinking. We break down how AI‑style reasoning helps investors ask sharper questions, reduce emotional bias and build clearer decision frameworks. Learn: - Practical habits such as defining investment objectives, stress‑testing assumptions - Understand how data guides long‑te...

He failed his startup. Lay awake at night convinced he'd ruined his financial future. Ten years later, he's sitting on a $4 million portfolio. Meet FIREPath Lion , the pseudonymous Singaporean blogger who shares everything most personal finance creators won't: his exact salary, every bonus, every investment, every number on the way to FIRE. No gurus, no day-trading, no genius stock picks. Just Bog...

Most people want to get rich faster. But what if the smarter move, especially in your 20s and 30s, is not squeezing every dollar out of a tiny portfolio? For busy professionals, wealth accumulation may start with something less sexy but far more powerful: growing your income, managing your spending, and consistently investing the difference. Chris How (semi-retired, founder of retireby50.me ), Chr...

Your “global” portfolio might not be as global as you think. Many investors buy a world index believing they are diversified across the planet. But if a large chunk of that exposure is still concentrated in the US, and especially in US tech, are you really spreading your risk? Reggie flew to Paris for the Amundi World Investment Forum and sat with Guy Stear, Head of Developed Markets Strategy, Amu...

Why are more Singaporeans investing overseas instead of at home? In this episode of Chills with TFC, Reggie sits down with Louis and Jameis to unpack what it would really take to make Singapore’s stock market more vibrant again. The conversation goes beyond returns. It looks at the deeper issues behind the SGX, from company fundamentals and corporate governance, to liquidity, retail participation,...

Would you move back to Singapore if your salary doubled? For some Singaporeans living in Paris, the answer is not as obvious as we think. Yes, France comes with higher taxes, strikes, smaller apartments, language barriers, and a very different pace of life. But the trade-off is also real: stronger healthcare coverage, more holidays, cheaper schooling, employee benefits, unemployment support, and a...

We spend a lot of time talking about wealth strategies, career moves, investing, business, and personal growth. But what if some outcomes are shaped not just by effort, but also by timing, environment, and the patterns we keep repeating? Dawn, SG BudgetBabe and Anthony sit down with Grandmaster David from Imperial Harvest to explore a different lens on success: Ba Zi, Imperial Feng Shui, luck cycl...

Three Singaporean software engineers. One target: $30,000 monthly recurring revenue. One end goal: retire in Chiang Mai. Meet the Jobless Club — Sean, Joseph, and Jonas — a trio of full-time engineers spending their nights and weekends building side businesses that could free them from the corporate grind. Their bet against the lone-wolf indie hacker model? Three founders are more sustainable than...

Singapore loves the story of social mobility. But behind the headlines, there's a quieter story: poverty is often an entrenched social class, and very few people actually climb out of it. Syainda Abdul was one of them. At 17 she was changing diapers. Married into an abusive relationship. Living in rental flats. Surviving on $900/month ComCare aid with $1,200 in expenses, and using $20 of that aid...

Two helpers. Two drivers. Two cars. That was middle class life back home for our guests in KL, Jakarta, and Hong Kong. So why on earth did they choose to leave it behind for a 4-room HDB and the MRT? Sit down with Shen, Music Programme Director, Mickey Salim, and Theros, Founder, Yinvest.co to unpack the viral IG post comparing middle class life across ASEAN. They get into the painful trade-offs:...

What do you do when the job market is trash and you’ve got a Masters degree but zero interest in a cubicle? You hitchhike to Thailand, obviously. Hear from Yihui and Jake, two 'crazy guys' who went viral for hitchhiking from Singapore all the way to Krabi. But this isn't just a travel vlog, it’s a deep dive into the 'Fun Employed' lifestyle. We’re talking about the reality of 'unemployment maxing,...