You’ll never be able to outrun money: Why chasing a salary alone won’t get you rich or wealthy

Headstart On Record Podcast

Invest but keep enough liquidity to help you sleep at night.

Published Oct 05, 2026, 10:00 AM

Updated Oct 05, 2026, 10:35 AM

In this episode, we look into the concept of liquidity. Everyone tells us to invest, but how much is enough and how much should we leave behind for a rainy day? What about saving for BTO and other commitments?

Hosts Kai Wen and Sue-Ann speak to guest Bryan Low, Managing Director and Head of International Wealth Management for Singapore at KGI about what liquidity really means, types of investments and how liquid they are, and if you should just keep all your money in savings accounts for fear of that rainy day.

Highlights (click/tap above):

1:08 How much cash do we really need

5:00 Liquidity vs cash

9:30 Investments that are less liquid

12:50 Risk profile differs according to age

15:15 But what if I need to pay for my BTO?

22:55 The intersection between your life and wealth

28:00 How much to keep in the bank

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan’s articles: https://str.sg/mvSa

Hosts: See Kai Wen ( seekw@sph.com.sg ) and Sue-Ann Tan ( suetan@sph.com.sg )

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

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Headstart On Record播客

投资的同时，也要保持足够的流动资金，这样才能让你晚上睡得安稳。

发布于2026年10月5日上午10:00

更新于2026年10月5日上午10:35

在这一集中，我们将探讨流动性的概念。每个人都告诉我们要投资，但投资多少才算足够？我们应该留多少钱以备不时之需？购买预购组屋和其他支出又该如何安排？

主持人 Kai Wen 和 Sue-Ann 与嘉宾 Bryan Low（KGI 新加坡董事总经理兼国际财富管理主管）探讨了流动性的真正含义、投资类型及其流动性，以及是否应该为了以防万一而将所有资金都存入储蓄账户。

亮点（点击/轻触上方）：

1:08 我们到底需要多少现金

5:00 流动性与现金

9:30 流动性较差的投资

12:50 风险状况因年龄而异

15:15 但如果我需要支付预购组屋的费用呢？

22:55 你的生活与财富的交集

28:00 银行里应该存多少钱

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在领英上关注 Sue-Ann Tan：https://str.sg/A86X

阅读 Sue-Ann Tan 的文章：https://str.sg/mvSa

主持人：See Kai Wen ( seekw@sph.com.sg ) 和 Sue-Ann Tan ( suetan@sph.com.sg )

制作及剪辑：阿米鲁尔·卡里姆

执行制片人：伊丽莎白·劳

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