What is the best way to spend during retirement?

Michelle Martin speaks with Grace Tay, Associate Director at Finexis Advisory, about one of the most overlooked aspects of retirement planning: the decumulation phase.

They discuss why retirement investing requires a completely different mindset.

The conversation also explores the 4% withdrawal rule.

You may actually do better with spending a different drawdown percentage.

Grace shares practical insights into structuring retirement income to preserve wealth, maintain financial confidence, and enjoy a more secure retirement.

What is the best way to spend during retirement?
Michelle Martin speaks with Grace Tay, Associate Director at Finexis Advisory, about one of the most overlooked aspects of retirement planning: the decumulation phase.
They discuss why retirement investing requires a completely different mindset.
The conversation also explores the 4% withdrawal rule.
You may actually do better with spending a different drawdown percentage.
Grace shares practical insights into structuring retirement income to preserve wealth, maintain financial confidence, and enjoy a more secure retirement.

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: How to Turn Your Retirement Savings Into Lasting Income

ST Engineering and CapitaLand Investment deliver stronger earnings - but which has the more compelling growth story from here?

Michelle Martin breaks down the numbers and what investors should be watching next.

Why did Cisco fall despite beating expectations?

What does Bank of America’s US$1.9 billion Jio Credit deal say about its ambitions in India?

Why are SK Hynix and Samsung in focus amid reports of Temasek investment plans?

And what does a US$12.5 billion Lakers valuation tell us about the value of elite sports franchises?

Plus, Digital Core REIT, NTT DC REIT and Food Empire enter the local spotlight; and Google’s latest Pixel phones raise a bigger question - is AI really enough to make us upgrade our smartphones?

ST Engineering and CapitaLand Investment deliver stronger earnings - but which has the more compelling growth story from here?
Michelle Martin breaks down the numbers and what investors should be watching next.
Why did Cisco fall despite beating expectations?
What does Bank of America&rsquo;s US$1.9 billion Jio Credit deal say about its ambitions in India?
Why are SK Hynix and Samsung in focus amid reports of Temasek investment plans?
And what does a US$12.5 billion Lakers valuation tell us about the value of elite sports franchises?
Plus, Digital Core REIT, NTT DC REIT and Food Empire enter the local spotlight; and Google&rsquo;s latest Pixel phones raise a bigger question - is AI really enough to make us upgrade our smartphones?

Market View: ST Engineering & CapitaLand Profits Jump, a Rare Earth Race and Google’s AI Bet

What would make you put work and routine on hold, take your three young children out into the world, and spend a year travelling together?

Daniel Ng and Gina Cheong, co-founders of Aww Media, decided there might never be a better time. With a budget of around S$150,000, their family of five embarked on a year-long adventure around the world.

Michelle Martin catches up with them from Colombia to find out what the Instagram pictures don't show: illnesses and injuries, travelling with three children when plans fall apart, managing money for a year on the road, and what constant time together has revealed about their family.

Has the experience changed how they think about money, work, comfort and what makes a life well lived? And what do they hope their children will remember when the year is over?

What would make you put work and routine on hold, take your three young children out into the world, and spend a year travelling together?
Daniel Ng and Gina Cheong, co-founders of Aww Media, decided there might never be a better time. With a budget of around&nbsp;S$150,000, their family of five embarked on a year-long adventure around the world.
Michelle Martin catches up with them from Colombia to find out what the Instagram pictures don't show: illnesses and injuries, travelling with three children when plans fall apart, managing money for a year on the road, and what constant time together has revealed about their family.
Has the experience changed how they think about&nbsp;money, work, comfort and what makes a life well lived?&nbsp;And what do they hope their children will remember when the year is over?

How much would you need to take a year off to travel with 3 kids?

Should S-REIT managers tell investors more about what lies ahead?

Michelle Martin speaks with Kenny Loh, REIT Specialist and Wealth Advisory Director, about the push for stronger forward guidance from Singapore REITs and whether greater transparency could lead to better investment decisions.

What would constitute meaningful guidance?

What are investors currently hearing  from investor-relations teams?

Could more guidance improve management accountability, or encourage short-term decision-making simply to hit a number?

And should REITs that communicate more transparently ultimately command higher valuations?

Should S-REIT managers tell investors more about what lies ahead?
Michelle Martin speaks with&nbsp;Kenny Loh, REIT Specialist and Wealth Advisory Director, about the push for stronger forward guidance from Singapore REITs and whether greater transparency could lead to better investment decisions.
What would constitute meaningful guidance?
What are investors currently hearing&nbsp; from investor-relations teams?
Could more guidance improve management accountability, or encourage short-term decision-making simply to hit a number?
And should REITs that communicate more transparently ultimately command higher valuations?

Money and Me: How to Turn Your Retirement Savings Into Lasting Income

Money and Me

In 3 playlist(s)

Live Well with Michelle (10am to 1pm)

Social links

Follow podcast

Recent clips