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.

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.