S1E258: Passive paycheck: Structuring your SME for predictable dividends

S1E258: Passive paycheck: Structuring your SME for predictable dividends

From BT Money Hacks by The Business Times

March 1, 2026 · 20 min · Season 1 · Episode 258

About this episode

Howie Lim speaks with Grace Tay about structuring SMEs for predictable dividends and the importance of wealth preservation over speculative sales.

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 btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) 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…

People in this episode

Host: Howie Lim

Guest: Grace Tay

Topics covered

  • SME
  • passive income
  • wealth preservation
  • succession planning

Keywords

  • free cash flow
  • liquidity
  • stability
  • personal wealth

Mentioned in this episode

Products: finexis advisory

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