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

September 23, 2026 21 mins

Government bond yields are climbing, with the US 10-year Treasury recently crossing 5% — painful for existing bondholders, but potentially offering more attractive income for new investors.

So are bonds becoming a better opportunity, or are higher yields warning of greater risks ahead?

Michelle Martin speaks with Thu Ha Chow, Head of Fixed Income Asia at Robeco, about what is driving the bond sell-off, where she sees opportun...

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US Treasury yields have crossed 5% — so is this finally the moment to lock in attractive bond income, or could yields still climb from here?

Michelle Martin speaks with Swapnil Mishra, author of Investing for the Clueless, Reckless and Overly Cautious, about where he sees opportunity across short and long-duration bonds, and why Singapore’s booming bond market is giving local investors more choices.

They also ...

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A polished presentation, an impressive property and the promise of an 8%, 10% or even 15% return — but do you actually know what you're buying and where those returns are coming from?

Recent investment controversies involving Singaporeans are a reminder that a real property or business can sit behind an investment and still leave investors nursing substantial losses. So what questions should you ask before transferring a sing...

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S-REITs have raised at least S$4.5 billion in equity funding this year, while average distribution yields of around 6.2% continue to tempt income investors. But after years of weak capital performance, are investors still being paid to wait—or overlooking deteriorating assets and balance sheets? Michelle Martin speaks with Kenny Loh, REIT Specialist and Wealth Advisory Director, about where he would average down...

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Is one of the market’s biggest investment narratives starting to shift? Michelle Martin speaks with Alvin Chow, Co-founder of Dr Wealth, about calls to slow frontier AI development, the surge in cybersecurity stocks and where the next AI winners could emerge. They also unpack the Fed’s rate decision, inflation and oil risks, before putting McDonald’s and Tencent under the spotlight.

See omnystudio.com/lis...

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Is Nvidia just one slice of a much bigger AI investment story? CEO Jensen Huang describes artificial intelligence as a five-layer cake: energy, chips, infrastructure, models and applications. Michelle Martin speaks with Brandon Ho, CFA, Head of Investment Advisory Singapore, to unpack where companies including Constellation Energy, TSMC, Broadcom, Micron, Microsoft, Alphabet, Palantir and ServiceNow fit within the stack. Which...

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If you’re living overseas for a few weeks or months, what’s the smartest way to pay without carrying a wallet full of cards — or wiping out the value of your miles with foreign-currency fees? Michelle Martin speaks with Tim Phillips, Founder of TimTalksMoney, about building a simple two- or three-card strategy for spending abroad. They unpack when 4-miles-per-dollar cards really deliver, the spending caps to watch...

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Singapore’s housing market could be entering a new phase.

The BTO household income ceiling is rising to S$16,000, while the Executive Condominium ceiling moves to S$18,000 - potentially widening the pool of households eligible for public and subsidised housing.

At the same time, thousands of new BTO flats are coming onto the market, with a growing number of HDB flats reaching their Minimum Occupation Period in the y...

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For much of 2026, investors have been waiting for US interest rates to fall.

After Federal Reserve Chair Kevin Warsh’s hawkish Jackson Hole debut, should they be preparing for another hike instead?

Michelle Martin speaks with Simon Ree, Founder of Tao of Trading, about what Warsh’s inflation-first message could mean for the Fed’s next move, why Christopher Waller could provide the next important signal, and where ...

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August 31, 2026 21 mins

Enter the moneyverse with Michelle and her guest who explains that there are invisible rules to the systems that generate and perpetuate wealth and economies we all need to understand.

Why can you know how to budget, save and invest - and still struggle to get ahead?

Michelle Martin speaks with Lionel Lee, author of Into the Moneyverse: The Real World of Money and Why Financial Literacy Alone Won’t Save You, about the di...

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AI has dominated markets, but could some of the more interesting long-term opportunities now lie elsewhere?

Michelle Martin looks at two structural themes: healthcare innovation and the infrastructure required for global electrification with four names in focus.

We also examine what separates a genuine megatrend from a compelling investment story, the risks of paying too much for long-term growth, and how investors can gain themati...

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Bonds are supposed to bring stability to a portfolio, so why have so many investors fallen out of love with them - and could that make them more interesting today?

Michelle Martin speaks with Willie Keng, Founder of Dividend Titan (www.dividendtitan.com), about where bonds fit alongside dividend stocks. 

They also tackle one of investing’s hardest decisions: when to sell.

How can you tell the difference between a te...

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Michelle thinks this is going to be a huge bestseller in Singapore and around the world, and it is a book any investor should pick up.

Thomas Chua achieved financial independence at 31 and argues that ordinary investors can build long-term wealth with a focused process that takes as little as an hour a day.

Michelle Martin speaks with Thomas Chua, author of The Lunch Break Investor and founder and investor at Steady Compo...

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More Singaporeans are hitting their CPF retirement targets, but is having enough to retire the same as having enough for the retirement you actually want?

Two very different visions of ageing are emerging in Singapore.

Private assisted living can cost upwards of $8,000 a month, while demand for more affordable Community Care Apartments has been lacklustre.

Michelle Martin speaks with Elijah Lee, Senior Financial Services Manager at...

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Michelle Martin speaks with Cheng Chye Hsern, Head of Investment at Providend, about what is driving the AI sell-off and the growing use of off-balance-sheet financing to fund the enormous data centres and infrastructure behind the AI boom. What risks should investors be watching?

They also examine why long-term bond yields are rising in the US and Singapore, what higher yields mean for bond investors.

Plus, with DBS, OCBC and...

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CPF helps pay for some of life's biggest needs - from housing and healthcare to retirement. But could using too much CPF for your home today leave you with less tomorrow?

Michelle Martin speaks with Brent Seah, Assistant Director, Outreach & Partnerships at CPF Board, about how to assess whether your retirement savings are on track, make better use of CPF throughout your working years, and balance home ownership with retirement...

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Is South Korea’s bruising sell-off creating a buying opportunity?

Does Alibaba become more compelling as it sells businesses to double down on AI?

And with 30-year US Treasuries yielding around 5.25%, is that an attractive return - or a warning about risk, especially for Singapore investors exposed to a weaker US dollar?

Michelle Martin speaks with Swapnil Mishra, author of Investing for the Clueless, Reckless and Overly...

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Could sticking to familiar choices like cash and stocks leave a gap in your portfolio?

A new BlackRock survey offers fresh insight into where investors are putting  their money.

Michelle Martin speaks with Koay Hui Sien, Head of iShares Fixed Income Product Strategy for APAC at BlackRock, about the opportunity cost of holding too much cash, concentration risk in ETFs and what bond ETFs can offer when interest rates are uncerta...

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Singapore is proposing significant changes to its en bloc rules, potentially making it easier for some ageing developments to be sold collectively - even when a sizeable group of owners wants to stay.

Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about what really drives a successful collective sale, how homeowners can judge whether an en bloc payout is enough to buy a suitable replacement home, and th...

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Singapore’s banks are delivering record results, but with wealth management increasingly driving growth, which of DBS, OCBC and UOB offers the strongest investment case?

Michelle Martin speaks with Alvin Chow, Co-founder of Dr Wealth, about what the numbers reveal and where value may lie beyond the STI.

They examine  Singapore’s new and first mid-cap focused ETF, we also take a closer look at component stock CSE Gl...

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