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理财万事通
Lianhe Zaobao
Business
单亲家庭财务规划:应对百万育儿开支
· 6m 29s
《理财万事通》播客每期为你提供你最需要知道的理财与财经知识。本节目由新加坡96.3好FM DJ余思远主持,《联合早报》财经专栏记者将在节目上与你分享既专业又易懂的财经知识。
Episodes
4 Mar 2026
情侣谈钱伤感情?专家教你共同理财 How to talk money without breaking up | Expert tips
谈钱伤感情?对许多年轻情侣和夫妻来说,金钱话题往往比想象中更敏感。随着财务独立意识提升,越来越多人开始主动讨论:收入如何分配?要不要开联名账户?储蓄目标怎么定? 这一期的联合早报播客《理财万事通》,主持人詹靖禾与萧梓卉邀请大华银行集团个人财务服务部(富裕客户群)主管林培丰,分享如何通过“梦想账户”、按比例分摊、明确资金用途等策略,让情侣在保持独立的同时,顺利实现共同财务目标。See omnystudio.com/listener for privacy information.
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26m 41s
25 Feb 2026
利率下跌 我该换房贷配套吗?
新加坡利率从高点持续回落,三个月的新元隔夜利率(SORA)在去年初是大约3%,但在今年二月初就大幅下滑到大约1%。 有些人的房屋贷款利率仍高于3%,现在是否是考虑再融资或重新定价的好时机? 这一期的早报播客《理财万事通》,《联合早报》财经新闻记者张仕婷告诉你如何审视还贷策略,以及该注意哪些事项。See omnystudio.com/listener for privacy information.
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5m 24s
18 Feb 2026
散户如何投资黄金?
黄金价格最近像坐过山车,从历史高点一口气下跌超过10%,还没等人反应过来,又迅速拉升,波动之凶猛堪称罕见。 然而,投资者寻求“逢低买入”机遇的热情并没有因此受挫,不少普通投资者仍踊跃买金,大型银行也继续上调金价预期。 这一期的早报播客《理财万事通》,《联合早报》财经新闻记者林娉莹拆解金价狂飙又剧烈震荡之下,普通投资者的进场之道。See omnystudio.com/listener for privacy information.
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8m 14s
11 Feb 2026
海外留学是投资还是烧钱?
你是否曾经想过去海外留学? 对很多学生来说,到欧美国家深造很有吸引力。不过,高昂的学费与生活成本常常让他们望而却步。另一方面,拥有海外文凭的毕业生也可能会面对薪水不如预期的情况。 这一期的联合早报播客《理财万事通》,《联合早报》财经新闻记者李涛分析海外留学的费用以及职场回报。See omnystudio.com/listener for privacy information.
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5m 11s
4 Feb 2026
小额投资 关键是定期定额 Small budget investing: Consistency is key
随着新加坡交易所(SGX)提议把交易价高于10元且低于100元股票的最低交易整数(board lot)从100股降为10股,散户投资者未来只需100多元或几百元,就可买卖星展集团(DBS)、大华银行(UOB)、华侨银行(OCBC)等股票。新交所也计划将股价超过100元股票的最低交易整数减少至1股。 分析师预计,这有助于提升高价蓝筹股和优质中型股的流动性。新交所已启动公共咨询,并预计从今年中旬开始落实相关调整。 但理财专家提醒,小额投资者入市时需审慎评估交易佣金、平台费用对实际回报的影响,并建议优先选择受金融管理局(MAS)监管的持牌机构,在保障资金安全的前提下,借助复利效应实现长期稳健的财富增长。 这一期的联合早报播客《理财万事通》,主持人詹靖禾与林娉莹邀请辉立证券首席股票经纪谭莹莹,一起拆解如何透过定期投资策略平摊市场波动风险,打破“有钱才能投资”的迷思。See omnystudio.com/listener for privacy information.
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24m 36s
28 Jan 2026
遗产规划:精细的财务管理
许多人以为遗产规划只是人生后半场的法律程序,实际上,它是一场关乎财富存续的“止损管理”。一旦资产盘点不清晰、联名户头赠予意图不明,或遗嘱执行人履职不当,积攒一辈子的财富不仅会在长期的法律拉锯战中被搜寻费、利息与诉讼费等“隐形成本”蚕食,更可能让手足情分消磨殆尽。 这一期的早报播客《理财万事通》,《联合早报》财经新闻记者张仕婷剖析如何通过周全的规划,为家族传承筑起一道保护墙,避免财产损耗与家庭纠纷。See omnystudio.com/listener for privacy information.
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10m 55s
21 Jan 2026
利率低就该放弃固定收益资产?
三年前,新加坡定期存款利率接近4%,如果当时你有20万元定存,每年可以获得8000元的利息收入。 目前,本地主要银行的利率已降到1%左右,同样金额的存款每年只能赚取约2000元利息。市场预期,美国联邦储备局今年会再降息两次。 这意味着,银行存款利率可能进一步下调。对于过去依赖“吃息”作为收入来源的人来说,寻找其他资金增值途径已成为当务之急。 这一期的早报播客《理财万事通》,《联合早报》财经新闻资深高级记者罗美琪探讨低利率环境对各类资产的影响,并分享一些可行的投资策略。See omnystudio.com/listener for privacy information.
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10m 48s
14 Jan 2026
零自付额没了,IP附加险还值得买吗?
从今年4月1日起,新购买的IP附加险将不再覆盖最低自付额。这意味着,保户日后须自行承担这部分费用,附加险不再提供零自付额保障。在这种情况下,附加险是否还值得购买? 这一期的早报播客《理财万事通》,《联合早报》财经新闻副主任胡渊文分析新制度实施后,投保人应该如何进行调整。See omnystudio.com/listener for privacy information.
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9m 03s
7 Jan 2026
买保险如何不花冤枉钱?Christopher Tan, Providend CEO
“买保险,有买才安心,不买就没有保障。” 这样的话,你是否觉得很耳熟? 但在预算有限的情况下,保费到底该付多少才合理?保费越贵,保障就越好吗? 这一期的联合早报播客《理财万事通》,主持人詹靖禾和林娉莹请来财务规划公司Providend总裁陈显耀,为你拆解买保险的迷思,从严重疾病险、终身寿险到定期保险,教你如何“付最少的钱,买足你所需要的保障”。See omnystudio.com/listener for privacy information.
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26m 29s
31 Dec 2025
离婚是人生最昂贵的财务重组
离婚常被视为一段关系的终结,却鲜少被当作一次重大的财务重组来认真对待。除了律师费与赡养费,资产分割、住房安排的变化,以及退休储备的长期压力,往往会在多年后逐渐显现。若缺乏周全规划,一纸离婚协议不仅终止婚姻关系,还可能深刻改变个人未来的财务轨迹。 这一期的早报播客《理财万事通》,《联合早报》财经新闻记者萧维旸分享离婚过程中可能产生的各类费用,并提出有效控制与降低支出的建议。See omnystudio.com/listener for privacy information.
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7m 18s
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《理财万事通》播客每期为你提供你最需要知道的理财与财经知识。本节目由新加坡96.3好FM DJ余思远主持,《联合早报》财经专栏记者将在节目上与你分享既专业又易懂的财经知识。
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