Money and Me

Money and Me

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.

Episodes

July 18, 2025 22 mins

Singapore’s REIT market is shifting—do you know where the real yields are?

Hosted by Michelle Martin, this episode breaks down the mid-year outlook for Singapore REITs with expert Kenny Loh.

From the mixed debut of NTT DC REIT to Centurion’s upcoming Accommodation REIT, we assess IPO appetite and the rising appeal of niche sectors.

What impact will looming U.S. tariffs have on industrial REITs?

Are cold storage an...

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What do you associate with “debt”?

A chance at profit or visceral panic?

Hosted by Michelle Martin, this episode explores how bonds and private credit are transforming from taboo to treasure.

Aman Pujara of Syfe breaks down the growing opportunity in fixed income—from high-quality bonds to private credit options - and options for retail and accredited investors.

Learn how Singaporeans can unlock access to premier ...

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Host Michelle Martin sits down with Christopher Tan, CEO of Providend, to find out if his April article challenging the most sacred rule of investing: "stay invested for the long run" still holds in his view.

In this eye-opening episode, discover if the popular TACO trade ("Trump Always Chickens Out") and trade war strategizing could be an optimist trap and how to identify when it's time to "reset" and realign your portfolio strate...

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How much are you really paying in fees when you buy an ILP?

Michelle Martin and Tim Phillips from timtalksmoney.com dive into the high-stakes world of investment-linked policies.

Learn when ILPs  fees quietly eat into your returns, and what the data says about their real costs.

LIA says ILP sales in Singapore surged 41% in 2024 to $2.3 billion — this conversation is more relevant than ever. Are Singaporean...

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Private home sales plunge, prices stagnate—yet one new launch has had a warm reception.

Singapore’s property market cools in Q2 2025, with private home sales down over 66%.

HDB resale price growth slows while new supply looms from MND.

Yet CapitaLand’s LyndenWoods defies the downturn with a near sell-out launch.

Ivan Cai, CEO of Crestbrick, joins Michelle Martin to decode what it all means for investors.

Will inte...

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Are retail investors outmaneuvering the pros in Trump’s trade war?

Inflation expectations are cooling — but is it really a green light for markets?

IBM lays off 8,000 with AI, yet is growing headcount. What gives?

Michelle Martin dives deep into how AI is reshaping the workforce and what this means for investors.

She also unpacks market reactions to Trump’s new tariffs with Arun Pai of Monk’s Hill Ventures.

S...

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Take a closer look at a fixed income fund trusted by Singaporeans — with 90% of its investors based in Singapore.

What if fixed income isn’t just a defensive play — but a smart way to grow your wealth?

Michelle Martin sits down with Kylie Soh of Fullerton Fund Management to explore why short-to-medium-term rate strategies are gaining traction in today’s uncertain markets.

They break down the myths younger in...

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Is it wiser to clear your mortgage early—or let your home loan work harder for you?

With Singapore’s Seller’s Stamp Duty now back at 2017 levels, investors and homeowners alike are reassessing their strategies.

Michelle Martin unpacks what the SSD changes mean for buyers, sellers, and the broader property market.

Guest Daniel Sim, Founder of Golden Goose Properties, shares insights on whether leveraging or paying ...

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You want your renovation 100% within your budget and most importantly - you want it flexible, so what are your choices?

Michelle Martin speaks to the digital bank to find out how it designed a renovation product to help with customer pain points in Singapore, how to plan a renovation budget and the workings of home renovation loans.

GXS Bank’s Jenn Ong breaks down interest rates, repayment plans, and financial pitfalls to avo...

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Singapore’s health insurance landscape is shifting—and many seniors are rethinking their coverage.

What's prompting some to downgrade or drop their private Integrated Shield Plans.

What’s behind the price hikes?

What’s at stake for policyholders?

Michelle Martin breaks it all down with Elijah Lee, Senior Financial Services Manager at Phillip Securities.

They also unpack the failed Income-Allianz deal and its...

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To what extent are Asia’s wealthiest investors turning to digital assets and tokenized stocks?

Michelle Martin unpacks the rise of institutional and family office interest in digital assets with Melvin Deng, CEO of QCP.

Explore the role of digital assets in portfolio diversification, growth, and risk management.

Learn how structured products, tokenization, and innovation are creating access to the crypto frontier in 2025.

See ...

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Mortgage rates in Singapore to dip below 2% again?

As fixed rates fall below floating ones and the 3-month SORA sinks, what does it all mean for homeowners and buyers?

Michelle Martin finds out what’s driving these changes and when mortgage rates could finally fall below the 2% mark again. Should you switch from fixed to floating, or wait?

Hosted by Michelle Martin, this episode features David Baey, CEO of Mortgage Master, wh...

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Thinking about investing up north but unsure about loan rates and long-term capital appreciation?

Germaine Chow, Co-founder, I Quadrant talks about the macro -factors, regulations, taxes and must have questions in mind for the general property investor looking at Malaysia's powerhouse cities of KL and Johor.

See omnystudio.com/listener for privacy information.

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Singapore’s million-dollar HDB club is growing fast.

From just 0.3% of the market five years ago to nearly 6% today, the public housing landscape is shifting.

Are we on the brink of seeing S$2 million flats? Or will policy curb the climb?

Michelle Martin asks Mark Yip, CEO of Huttons Asia, whether this is a trend,  tipping point or if there is a good argument to be made not to rush into buying into the resale market.

The...

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How do global investors view a shift to a multipolar world?

Michelle Martin speaks with Mark Ho of RealVantage to hear how the company views tariff risk, long-term demographic drivers, and how investors can view opportunistic positioning today.

Hosted by Michelle Martin, this episode helps us understand how long-view investors frame what’s next.

See omnystudio.com/listener for privacy information.

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What if your grocery run could help pay for your next flight?

Singaporeans are getting smarter with every swipe — stacking CDC vouchers, KrisFlyer miles, and loyalty points to stretch every dollar.

Enter the yuu Rewards Club — now linked to over 1,000 brands including 7-Eleven, Cold Storage, Giant, and Gojek.

With cost-of-living pressure still high, intentional spending is going mainstream.

Michelle Martin breaks down t...

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China’s retail sales are soaring—but is this recovery real or just a policy sugar rush?

With consumer spending lifted by subsidies yet long-term income growth slowing, investor confidence is being tested.

Pop Mart’s plunge shows how quickly sentiment can shift amid regulatory rumblings.

Michelle Martin asks Dividend Titan’s Willie Keng what he saw on his recent China trip—and why he’s maintained ...

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Is your CPF money working hard enough for your future?

Michelle Martin finds out what the 4% SMRA rate really means for your retirement goals.

Christopher Tan, CEO of Providend, breaks down how this rate is calculated and what it means in today’s market.

Should you transfer funds from your Ordinary Account to your Special Account now? 

How do CPF options compare with SSBs, T-bills, and fixed deposits?

See omnystudio.com/l...

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If you've been dismayed at the changes to your mile earn rates on your credit cards, we have you covered with credit card strategies to spend smarter.

Hosted by Michelle Martin with guest Tim Phillips, Founder of TimTalksMoney, this episode unpacks recent cuts to high miles-per-dollar credit cards and what savvy Singaporeans can do now.

We ask: is the ultra-pricey Amex Platinum worth it or just hype?

Plus, we explore Grab and Sea L...

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How much does it really cost to send your child to uni - whether local or overseas?

How will you fund this without compromising the build up of your retirement funds?

Daniel Sim, Founder of Golden Goose Properties, says its possible to do both strategically.

He explains why the shift from ownership to consumption changes how we plan for education.

Instead of sinking funds into non-recoverable expenses, invest in appreciating assets...

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