Michelle Martin asks if falling interest rates are changing the maths for Singapore’s savers who love hoarding cash.

With billions still parked in T-Bills and money-market funds, investors now face a new risk: opportunity cost.

Michelle speaks with Afdhal Rahman of OCBC about what could trigger a shift from cash into equities, bonds and gold.

They unpack why Asia ex-Japan may look more attractive than the US as the dollar weakens and valuations diverge.

The conversation also explores how bonds are becoming income engines again, and why gold is moving from hedge to strategy.

What happens when staying on the sidelines costs more than riding out volatility.