Singaporeans are investing, but earning just 0.4% returns.

Are we risk averse?

With fixed income rates coming down, what are the risk-averse likely to look at?

Plus Michelle Martin and her guest Tim Phillips from timtalksmoney.com discuss how investors could think through negative sentiment when it hits with Chocolate Finance and CDL as case studies.

This episode is packed with takeaways for your wallet as both also discuss what 125 years of stock market history tells us about the future of markets and if we are maximising our airmiles should we use them on Lady Gaga concert tickets.