No lock-ins and no fees.so how does Chocolate Finance offer such delicious yields?

One year on from its beta-launch and 28 days into opening doors to the public, Money and Me's Michelle Martin dives into the business model of Chocolate Finance with  Walter de Oude, Founder and CEO of Chocolate Finance. 

Walter shares his journey from his exit from Singlife to  the inspiration behind Chocolate Finance. We learn about its unique business model, future growth plans for a possible debit card and more about how it is putting our money to work.

No lock-ins and no fees.so how does Chocolate Finance offer such delicious yields?
One year on from its beta-launch and 28 days into opening doors to the public, Money and Me's Michelle Martin dives into the business model of Chocolate Finance with  Walter de Oude, Founder and CEO of Chocolate Finance. 
Walter shares his journey from his exit from Singlife to  the inspiration behind Chocolate Finance. We learn about its unique business model, future growth plans for a possible debit card and more about how it is putting our money to work.

Your Money With Michelle Martin (9am - 12pm) It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

Your Money With Michelle Martin (9am - 12pm) It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin

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. 

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,&nbsp; manage your expenses and start your smart money investment journey today.&nbsp;

Money and Me

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.

In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore&rsquo;s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.
In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station.

MONEY FM 89.3

How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin (9am - 12pm)

Money and Me: 4.2% for your first 20K, 3.5% targeted for the rest of your cash - what you need to know about Chocolate Finance

Asia’s tech story may be entering a very different growth phase - and it’s not all about AI.

Michelle Martin and Ryan Huang unpack Macquarie’s bullish call on Asia internet stocks driven by gaming, music, super-apps and cultural exports.

From K-pop giant HYBE to platforms like Tencent, Baidu and Kakao, the focus shifts to monetising ecosystems people already live on.

The duo also examine Bernstein’s bullish bet on BYD - not just as a carmaker, but a vertically integrated tech play.

Global tensions rise as President Trump revives trade war threats against Europe, while earnings season heats up in the US.

All this and more, including Intel, Micron and Singapore market movers - hosted by Michelle Martin with Ryan Huang.

Asia&rsquo;s tech story may be entering a very different growth phase - and it&rsquo;s not all about AI.
Michelle Martin and Ryan Huang unpack Macquarie&rsquo;s bullish call on Asia internet stocks driven by gaming, music, super-apps and cultural exports.
From K-pop giant HYBE to platforms like Tencent, Baidu and Kakao, the focus shifts to monetising ecosystems people already live on.
The duo also examine Bernstein&rsquo;s bullish bet on BYD - not just as a carmaker, but a vertically integrated tech play.
Global tensions rise as President Trump revives trade war threats against Europe, while earnings season heats up in the US.
All this and more, including Intel, Micron and Singapore market movers - hosted by Michelle Martin with Ryan Huang.

Market View: Asia Tech’s Next Act - Monetising Culture, Not Code

Our company in focus list, zeroes in on companies we here know about in Singapore.

In 2026, it’s no longer about whether markets rise - it’s about which companies truly deliver.
Money and Me looks past daily noise to uncover businesses entering pivotal turning points across sectors..

Hosted by Michelle Martin, this episode features Vance Tan, Financial Services Manager, PhillipCapital, on spotting durable value beyond headlines.

We explore how to identify companies with real structural tailwinds versus short-term hype and headline-driven rallies.

The discussion dives into balance sheet strength, non-negotiable financial metrics, and valuation discipline in a still-uneven market.

Finally, we break down how investors can turn high-conviction ideas into diversified, long-term portfolio strategies without overconcentration. Will STI hit 5000 in 2026?

Our company in focus list, zeroes in on companies we here know about in Singapore.
In 2026, it&rsquo;s no longer about whether markets rise - it&rsquo;s about which companies truly deliver. Money and Me looks past daily noise to uncover businesses entering pivotal turning points across sectors..
Hosted by Michelle Martin, this episode features Vance Tan, Financial Services Manager, PhillipCapital, on spotting durable value beyond headlines.
We explore how to identify companies with real structural tailwinds versus short-term hype and headline-driven rallies.
The discussion dives into balance sheet strength, non-negotiable financial metrics, and valuation discipline in a still-uneven market.
Finally, we break down how investors can turn high-conviction ideas into diversified, long-term portfolio strategies without overconcentration. Will STI hit 5000 in 2026?

Money and Me: Finding the Winners That Matter in 2026

The discussion looks at chips surging and banks cashing in.

Asia-Pacific markets trade mixed as investors weigh TSMC’s blockbuster earnings against fresh US-Taiwan trade developments.

We unpack what Taiwan Semiconductor Manufacturing Company’s profit jump says about the durability of the AI trade and global chip supply chains.

Wall Street steadies as Goldman Sachs and Morgan Stanley deliver strong earnings, powered by trading and wealth management.

In UP or DOWN, we size up Spotify’s price hike, Boston Scientific’s mega-deal, and CapitaLand India Trust’s data-centre push.

And in our Last Word, we ask what authenticity means when a very unusual singer with no soul climbs Spotify’s charts - hosted by Michelle Martin with Ryan Huang.

The discussion looks at chips surging and banks cashing in.
Asia-Pacific markets trade mixed as investors weigh TSMC&rsquo;s blockbuster earnings against fresh US-Taiwan trade developments.
We unpack what Taiwan Semiconductor Manufacturing Company&rsquo;s profit jump says about the durability of the AI trade and global chip supply chains.
Wall Street steadies as Goldman Sachs and Morgan Stanley deliver strong earnings, powered by trading and wealth management.
In UP or DOWN, we size up Spotify&rsquo;s price hike, Boston Scientific&rsquo;s mega-deal, and CapitaLand India Trust&rsquo;s data-centre push.
And in our Last Word, we ask what authenticity means when a very unusual singer with no soul climbs Spotify&rsquo;s charts - hosted by Michelle Martin with Ryan Huang.

Money and Me: 4.2% for your first 20K, 3.5% targeted for the rest of your cash - what you need to know about Chocolate Finance

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Your Money with Michelle Martin (9am - 12pm)

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