S1E258: Passive paycheck: Structuring your SME for predictable dividends

The SME dream is built on hustle, but what if your retirement plan hinges on a highly speculative sale? Stop gambling on perfect timing. Howie Lim speaks to Grace Tay of finexis to uncover the true surplus after "oxygen" and "risk," dissecting the firewall between business and personal wealth. Learn how to structure your enterprise for a passive paycheck—because succession isn't selling, it's surviving gracefully. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:34 The true surplus: free cash flow after 'oxygen,' risk, and growth budgets 06:12 Wealth preservation vs. high returns: sacrificing liquidity for stability 11:09 Succession is not a sale 15:22 The price of pride: enforcing a hard cap on personal injections --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Grace Tay, associate director, finexis advisory Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.