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.

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&nbsp;
We unpack withdrawal rules, explain whether you&rsquo;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.

Start your day on a positive note with Live Well with Michelle Martin.

The show explores wellbeing in all its dimensions — from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas — from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.

In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint — with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Start your day on a positive note with Live Well with Michelle Martin.
The show explores wellbeing in all its dimensions &mdash; from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas &mdash; from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.
In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint &mdash; with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Live Well with Michelle

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

Start your day on a positive note with Live Well with Michelle Martin.

Live Well with Michelle (10am to 1pm)

Money and Me: Beat the Clock on SRS - Grow More, Tax Less

AIMS APAC REIT, Airbnb, Deckers Outdoor, Salesforce, HP, Dell Technologies, Costco, Nvidia, Mapletree Industrial Trust, The Hour Glass, ST Engineering, SGX, Thai Beverage, Disney.

AIMS APAC REIT is chasing the AI boom, but can data-centre dreams translate into real investor returns?

Hosted by Michelle Martin, this episode explores AIMS APAC REIT's push into digital infrastructure and why industrial landlords are racing to capture AI-driven demand for data centres.

Michelle examines why cash-rich companies such as Airbnb and Deckers Outdoor may have a growing advantage in an uncertain economic environment.

She unpacks the market's latest acronyms -TACO and NACHO - and what they reveal about investor expectations for trade policy, oil prices and geopolitics.

The episode also previews earnings from Salesforce, Dell, HP and Costco, asking whether AI spending is spreading beyond Nvidia into the broader economy.

Plus: Japan's record-breaking rally, gains at Mapletree Industrial Trust, The Hour Glass, ST Engineering, SGX and Thai Beverage, and what they signal for the STI's next move.

AIMS APAC REIT, Airbnb, Deckers Outdoor, Salesforce, HP, Dell Technologies, Costco, Nvidia, Mapletree Industrial Trust, The Hour Glass, ST Engineering, SGX, Thai Beverage, Disney.
AIMS APAC REIT is chasing the AI boom, but can data-centre dreams translate into real investor returns?
Hosted by Michelle Martin, this episode explores AIMS APAC REIT's push into digital infrastructure and why industrial landlords are racing to capture AI-driven demand for data centres.
Michelle examines why cash-rich companies such as Airbnb and Deckers Outdoor may have a growing advantage in an uncertain economic environment.
She unpacks the market's latest acronyms -TACO and NACHO - and what they reveal about investor expectations for trade policy, oil prices and geopolitics.
The episode also previews earnings from Salesforce, Dell, HP and Costco, asking whether AI spending is spreading beyond Nvidia into the broader economy.
Plus: Japan's record-breaking rally, gains at Mapletree Industrial Trust, The Hour Glass, ST Engineering, SGX and Thai Beverage, and what they signal for the STI's next move.

Market View: AI REITs, TACO Trades & Why Cash Is King 

What if more "me time" isn't about finding more time - but using the time you already have, more intelligently?

Michelle says this facial experience was truly different and relaxed her from head-to-toe.

She loved that this facial experience, which incorporates a massage, had no packages, resulting in no pressure and no wasted time.

We explore the rise of "efficient wellness" - a growing trend designed for busy professionals who want meaningful recovery without spending half a day at a spa.

Michelle speaks with Sandra Chua, Founder and Head Therapist at House of Wellness, about combining face and body treatments into one customised session,  and rethinking wellness around outcomes rather than routines.

Drawing on her own experience of burnout as a former teacher, Sandra shares why stress relief is  becoming just as important as beauty treatments.

Michelle also reflects on her own experience with the service.

What if more "me time" isn't about finding more time - but using the time you already have, more intelligently?
Michelle says this facial experience was truly different and relaxed her from head-to-toe.
She loved that this facial experience, which incorporates a massage, had no packages, resulting in no pressure and no wasted time.
We explore the rise of "efficient wellness" - a growing trend designed for busy professionals who want meaningful recovery without spending half a day at a spa.
Michelle speaks with Sandra Chua, Founder and Head Therapist at House of Wellness, about combining face and body treatments into one customised session,&nbsp; and rethinking wellness around outcomes rather than routines.
Drawing on her own experience of burnout as a former teacher, Sandra shares why stress relief is&nbsp; becoming just as important as beauty treatments.
Michelle also reflects on her own experience with the service.

LIVE WELL WITH MICHELLE: Burnout, Beauty & The Rise of Efficient Wellness

Could quantum computing become the next AI - or is Wall Street already getting ahead of itself?

Hosted by Michelle Martin with guest Cheng Chye Hsern, Head of Investment at Providend, this episode explores whether quantum computing could become the next transformational technology theme after fresh US government support sparked a rally in quantum stocks.

Michelle and Cheng examine record S&P 500 profit margins and ask whether US corporate earnings remain genuinely resilient or increasingly dependent on a handful of AI winners.

They unpack South Korea's remarkable stock market surge, Samsung's return to a US$1 trillion valuation and why Asia is becoming central to the global AI supply chain.

The conversation also looks at rising US Treasury yields, the risks of chasing technology hype and what Singapore investors should watch as the STI consolidates around the 5,000 level.

Finally, they discuss whether capital is rotating back into growth markets or if Singapore's next rally may still lie ahead.

Could quantum computing become the next AI - or is Wall Street already getting ahead of itself?
Hosted by Michelle Martin with guest Cheng Chye Hsern, Head of Investment at Providend, this episode explores whether quantum computing could become the next transformational technology theme after fresh US government support sparked a rally in quantum stocks.
Michelle and Cheng examine record S&amp;P 500 profit margins and ask whether US corporate earnings remain genuinely resilient or increasingly dependent on a handful of AI winners.
They unpack South Korea's remarkable stock market surge, Samsung's return to a US$1 trillion valuation and why Asia is becoming central to the global AI supply chain.
The conversation also looks at rising US Treasury yields, the risks of chasing technology hype and what Singapore investors should watch as the STI consolidates around the 5,000 level.
Finally, they discuss whether capital is rotating back into growth markets or if Singapore's next rally may still lie ahead.

Money and Me: Beat the Clock on SRS - Grow More, Tax Less

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