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理财万事通
Lianhe Zaobao
Business
利率低就该放弃固定收益资产?
· 10m 48s
《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
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
24 Dec 2025
特许经营:不是捷径,是另一种考验
二三十岁就当老板,过去或许是少数人的选择,如今随着就业环境变化,特许经营逐渐成为一些年轻人考虑的创业路径。 从餐饮、自动贩卖机到健身、幼教,各行各业皆有加盟机会。不过,特许经营并非“稳赚不赔”的捷径,前期资金投入、租金与人力成本,以及持续的营运与合约责任,依然对创业者的财务规划与执行能力构成考验。 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享特许经营的利与弊。See omnystudio.com/listener for privacy information.
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13m 34s
17 Dec 2025
海外度假屋 隐形成本大公开
俗话说,“金窝银窝,不如自己的窝。”每逢出国旅行,总有人嫌预订住宿麻烦,因而萌生在常去目的地购置一处度假屋的念头,既能解决住宿问题,又可在平日短期出租赚取租金,看似两全其美。 然而,业内人士提醒,海外置产的实际成本远不止购房价格与常规的律师费、经纪费那么简单。无论选择将度假屋空置,或把它短租作为投资工具,房屋维护、保险费用、当地短租监管、税务政策变化、自然灾害导致的保险上涨等一系列“隐形成本”,都可能让买家措手不及,令原本的“理想第二家园”变成难以轻易脱手的负担。 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将拆解海外度假屋背后的真实成本,帮助你在作出置业决定前,更全面地了解风险与财务因素。See omnystudio.com/listener for privacy information.
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8m 45s
10 Dec 2025
如何在海淘避开“假便宜”陷阱?
每到年终的购物季,海外网站的促销一波接一波,让人心痒难耐。 但算不清的运费、税费、汇率,以及隐形的售后成本和交易风险,可能让看似诱人的折扣瞬间变味。 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和我们分享在海外网站购物时,如何分辨哪些是真实的优惠,哪些只是精妙的“数字游戏”。See omnystudio.com/listener for privacy information.
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7m 54s
3 Dec 2025
花红用法反映理财智慧 What your bonus says about your financial IQ
年底花红不是横财,而是你一年辛苦换来的成果。有人用这笔钱补强财务、为未来铺路;也有人一时冲动,把花红全用来犒赏自己,却在不知不觉中影响了来年的财务规划。到底要怎么分配,才能既享受当下又为未来打好基础? 这一期的联合早报播客《理财万事通》,主持人詹靖禾与张康祺邀请星融财务规划公司执行总裁谢诏全,一起拆解“花红理财三步骤”,教你把花红变成让财务更稳、生活更好的助力。See omnystudio.com/listener for privacy information.
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24m 49s
26 Nov 2025
用KonMari来做个人理财的断舍离?
告别2025年,许多人会兴致勃勃地为家里进行大扫除。然而,有多少人意识到,个人财务同样需要来个“断舍离”? 提到“断舍离”,你可能马上会想到日本收纳达人近藤麻理惠(Marie Kondo)。或许你会疑惑:家居收纳和理财有什么关系? 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如何在年终将至时,借鉴近藤麻理惠的家居整理方法,为个人理财进行“断舍离”。See omnystudio.com/listener for privacy information.
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14m 41s
19 Nov 2025
SDR的潜力与隐藏风险
想把握印尼、香港、泰国等市场的投资机会,但又觉得跨境交易麻烦? 新加坡投资者如今有了更便捷的入场选择。新加坡交易所最近推出新加坡存托凭证(Singapore Depository Receipt,简称SDR),让新加坡投资者通过本地券商,以新元计价投资这些市场的股票。目前已有三只印尼蓝筹股和三只港股通过新加坡存托凭证在本地挂牌交易。 这一期的早报播客《理财万事通》,主持人温国贤和《联合早报》财经新闻记者萧梓卉探讨SDR适合哪些投资者,以及它的隐藏风险。See omnystudio.com/listener for privacy information.
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5m
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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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