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Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started, manage your expenses and start your smart money investment journey today.
1169 Episodes
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Singapore’s urban map is being rewritten — but what does that mean for your money? In this episode hosted by Michelle Martin, we unpack the newly gazetted URA Master Plan 2025 and what decentralisation, regional hubs, and mixed-use districts mean for long-term value. CapitaLand Development (Singapore) CEO Ronald Tay joins us to reveal how CLD is interpreting national policy into real projects shaping innovation clusters and new residential communities like LyndenWoods. We explore why Science Park is finally ready for homes, who the first-mover buyers really are, and how mixed-use hubs may shift investor thinking beyond the traditional core. From Jurong Lake District to Punggol Digital District, we examine where the next wave of growth corridors could emerge. If the future of appreciation lies outside the CBD, this is the roadmap investors need to hear.See omnystudio.com/listener for privacy information.
Money and Me dives into the latest AIA Live Better Study to uncover why singles — especially single women — face a uniquely challenging retirement landscape. Discover why optimism is lower for singles, even as aspirations for purpose-filled later years rise. We break down the biggest worries: rising living costs, lack of caregiving support, and the risk of social isolation. Unpack practical strategies for financial security, emotional well-being, and building strong support networks. How can shingles start to design a connected, empowered future by acting today? — hosted by Michelle Martin with guest Lam Hui Min, Head of Customer Propositions & Insights Strategy, AIA SingaporeSee omnystudio.com/listener for privacy information.
Money and Me, hosted by Michelle Martin, dives into how Agentic AI is transforming the finance function from back-office engine to strategic command center pathways. Michelle unpacks the growing tension between rapid deployment and the trust, governance, and talent needed to keep up. Join Michelle and BlackLine’s Nikhil Parambath as they explore how APAC leaders can think through a theme expected to dominate CFO future roadmaps to capturing long-term value through implementing autonomous finance.See omnystudio.com/listener for privacy information.
Singapore’s markets are transforming faster than at any time in the past decade. In today’s episode, hosted by Michelle Martin, we unpack MAS and SGX’s sweeping reforms and take a closer look at the Fullerton Singapore Value-Up (FSGV), the first retail fund under the Equity Market Development Programme (EQDP), Fullerton’s Shawn Ang joins us to discuss what you'd be investing in with this fund and what benchmark it aims to beat. We explore overlooked mid- and small-cap opportunities in Singapore and how markets have reacted so far. See omnystudio.com/listener for privacy information.
Record profits, record losses — the sub-sale market can seem extreme. In today’s episode of Money and Me, we dive into what changes in the sub-sale market reveals about the new property-flipping landscape. We break down whether property flippers are rising or disappearing, and how the HDB-to-OCR migration wave is reshaping demand. You’ll hear insights into the rental hotspots for 2026, the health of the EC market, and how sub-sale rules like those impacting the Sellers Stamp Duty, affect investor strategy. We also unpack CCR luxury dynamics, where 171 big-ticket deals closed. All this and more, hosted by Michelle Martin, with her guest Ivan Cai, CEO, Crestbrick . Both dive into featured themes which include: The Avenir, CCR luxury, OCR resale condos, ECs, SSD, sub-sale risks, 2026 outlook.See omnystudio.com/listener for privacy information.
The ringgit just hit its strongest level in three years — here’s why it matters for your wallet.In this episode of Money and Me, hosted by Michelle Martin, we unpack why the Malaysian ringgit is surging and whether the rally can last through 2025. We break down Nvidia’s latest earnings and what they signal about the next phase of the AI trade.Plus: if Bitcoin is “digital gold,” why is it trailing both bonds and gold this year?We also demystify Singapore’s newest market milestone: SGX’s launch of Bitcoin and Ethereum perpetual futures — what they are, why they matter, and who will be using them. Joining the conversation is Swapnil Mishra, author of Investing for the Clueless, Reckless and Overly Cautious.See omnystudio.com/listener for privacy information.
What if Singapore’s next big winners aren’t in the STI - but quietly sprinting just beside it asks Michelle Martin, as she explores the rise of the new iEdge Singapore Next 50 indices. This mid-cap cluster - from ComfortDelGro to Sheng Siong and PropNex - is filled with familiar names but how has it done relative to the STI? PhillipCapital’s Dan Chang joins us to decode why investors are warming to mid-caps across logistics, data centres, hospitality and industrials. We break down how to evaluate mid-cap fundamentals, manage volatility, and decide between index exposure and selecting winners. If you’ve overlooked Singapore’s mid-caps, this episode might just rewrite your playbook.See omnystudio.com/listener for privacy information.
Global real estate is finally stabilising - but the opportunities and risks are not where most investors think. As 2025 closes, the real estate cycle is shifting: interest-rate steadiness, gradual price discovery, and a cautious return of transactions. Michelle Martin speaks with Keith Ong, CEO of RealVantage, to decode what this means for investors in 2026. We unpack capital-market signals, and the foreign-buyer landscape Plus, sector picks for 2026 - from data centres to senior living - and the risks investors still underestimate across the US, Australia, UK and Asia. All this and more, hosted by Michelle Martin.See omnystudio.com/listener for privacy information.
Money and Me dives into whether the AI boom is becoming a bubble or just shaking out the excess. We unpack why the odds of a December Fed cut have dropped below 50% and what that means for investors. Cheng Chye Hsern, Head of Investment, Providend breaks down hyperscalers’ rising debt-fuelled capex and the red flags to watch. Singapore’s big three banks report sharply different earnings - we explore how NIM compression, fee income and credit costs are reshaping the sector’s outlook. Hosted by Michelle Martin, with insights investors need as volatility returns.See omnystudio.com/listener for privacy information.
What risks may be hiding behind the “democratisation of PE” narrative? Tim Phillips of TimTalksMoney breaks down liquidity traps, private-credit ETFs, and the red flags every investor should spot. Then we shift to the big retail question: Can you build your entire retirement plan using ETFs alone? We compare ETF-only strategies for a 35-year-old with $50K versus a 55-year-old with $500K. All this and more, in Money and Me hosted by Michelle Martin.See omnystudio.com/listener for privacy information.
Industrial REITs are steady, yields are juicy, and rates are falling - so is now the moment to move? Hosted by Michelle Martin, this episode breaks down why industrial S-REITs have held firm with strong occupancy and rental reversions. We explore how the wider S-REIT universe has staged a 2025 rebound on easing debt costs and a friendlier rate outlook. With T-bills slipping near 1.37 - 1.4%, Kenny Loh weighs in on whether REIT yields of 5 - 6% still offer real value. Is this rally just a “rates are going down” trade - or the early innings of a broader re-rating? Kenny also shares clear strategies for conservative investors navigating income, risk and timing.See omnystudio.com/listener for privacy information.
SoftBank just dumped Nvidia in the midst of this AI frenzy - is this a warning signal, or the smartest money move of the year? As rare-earth stocks roar and governments scramble for critical minerals, we ask whether a new multi-decade commodities supercycle is forming - or whether geopolitics is simply inflating another hype cycle. Michael Burry is also sounding alarms, accusing hyperscalers like Amazon, Alphabet, and Microsoft of chasing an AI dream without a proven business model. We unpack SoftBank’s Nvidia exit, the mineral race, and the AI-infrastructure boom versus bubble debate. What’s real, what’s noise, and what’s actually investable right now? All this and more - hosted by Michelle Martin with insights from Arun Pai of Monk’s Hill VenturesSee omnystudio.com/listener for privacy information.
A fierce debate has erupted over investment-linked insurance plans. Are ILPs misunderstood tools for long-term wealth, or overly complex, high-cost products investors should avoid? Christopher Tan, CEO of Providend, returns to address his criticisms of his arguments following his Business Times column, which challenged the value of ILPs. He breaks down industry rebuttals on compounding bonuses, adviser fees, and fund access, and explains why his firm continues to steer clear of them. Hear both sides of the ILP story, from consumer confusion to claims of strategic tax and estate planning benefits - and decide where you stand. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.
A race against time - and one that could save you real money. As the year ends, many Singaporeans hurry to make their S$15,300 SRS contribution to cut their tax bill - but how does the scheme work We unpack withdrawal rules, explain whether you’ll eventually pay tax, and why 1 in 5 SRS dollars sits idle earning just 0.05% interest Should you invest your SRS instead, and how do rising statutory retirement ages affect when you can access your money? We break down the crucial 1 July 2026 deadline to lock in the penalty-free withdrawal age of 63. Hosted by Michelle Martin with guest Elijah Lee, Senior Financial Services Manager, Phillip Securities.See omnystudio.com/listener for privacy information.
Has Singapore quietly become one of the world’s hottest IPO destinations? The city-state has rocketed into the global top 10, overtaking London as real-estate listings power its rise. Globally, IPOs are rebounding as 2025 sees stronger deal flow and an 89% surge in proceeds amid calmer markets. EY’s Chan Yew Kiang walks us through what’s driving the US, Greater China, and Southeast Asia - and why Hong Kong’s comeback matters. We explore sector trends, cross-border listings, and whether more issuers are choosing New York over home turf. Investors get a forward look at catalysts heading into 2026 - hosted by Michelle Martin.See omnystudio.com/listener for privacy information.
What does one of the busiest malls in China have no shoppers, yet billions in sales? China’s growth may be slowing, but its transformation is accelerating. Join Michelle Martin as she chats with Willie Keng, Founder of Dividend Titan, who toured Shanghai and Hangzhou with institutional investors. Discover how live-streaming has become China’s most powerful consumption engine, why local brands like Proya are winning hearts, and how asset-light models are reshaping industries. This podcast includes a specially recorded "Easter Egg" where Willie shares his views on the rise of robotics in China from AI-driven hotels to its place in building technology. Investors, you don't want to miss this view of China’s new playbook.See omnystudio.com/listener for privacy information.
The private-credit boom promises high returns and flexibility - but is the shine justified? Private credit is booming - but beneath its reputation for stability and diversification lies a more complicated story. In this episode, hosted by Michelle Martin, Morningstar’s Senior Analyst Arvind Subramanian breaks down what private credit really is, why borrowers and investors are piling in, and the key marketing claims investors should interrogate. He explains how low volatility may reflect opacity rather than safety, why diversification benefits are overstated, and how floating rates can both protect and punish portfolios. We also unpack the hidden risks around leverage, liquidity, and covenant protection. Ultimately, private credit can play a role, but investors need to scrutinize fees, transparency, and risk.See omnystudio.com/listener for privacy information.
Singapore’s inheritance expectations are rising - and so are the stakes. Over half of Singaporeans say they expect to receive or have already received an inheritance, with one in five anticipating a million-dollar windfall. Michelle Martin unpacks Etiqa Insurance’s new Wealth Transfer Insights Report with Jess Tan, Chief Distribution Officer, Etiqa Insurance Singapore. They explore how Singaporeans are rethinking legacy, why financial literacy is key to managing sudden wealth, and what families can do to avoid conflict and ensure smooth intergenerational planning. Hosted by Michelle Martin. See omnystudio.com/listener for privacy information.
As interest rates tumble to three-year lows, Singapore’s homeowners are racing to refinance their HDB loans. Could now be the smartest time to switch from HDB’s 2.6% rate to a bank loan? Or are there hidden risks that could derail your savings goals? From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing. Then, turn your attention to retirement - how much insurance coverage do you really need to protect your future without overpaying? Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties. See omnystudio.com/listener for privacy information.
Earnings are soaring, rates are falling, and investors can’t decide whether to celebrate or brace for impact. Join Michelle Martin and trading expert Simon Ree, Founder of Tao of Trading, as they unpack a blockbuster week for markets - from Apple, Microsoft, Alphabet, Amazon, and Meta’s AI-driven profits to the Fed’s latest rate cut and the U.S. - China trade truce. Can trillion-dollar tech giants hold their lead as AI spending skyrockets? And how long can markets keep levitating on optimism alone? Plus, a sneak peek into Simon’s upcoming Tao of Trading Mastermind Live in Singapore. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.
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