As interest rates tumble to three-year lows, Singapore’s homeowners are racing to refinance their HDB loans.

Could now be the smartest time to switch from HDB’s 2.6% rate to a bank loan?

Or are there hidden risks that could derail your savings goals?

From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing.

Then, turn your attention to retirement - how much insurance coverage do you really need to protect your future without overpaying?

Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties.  

As interest rates tumble to three-year lows, Singapore&rsquo;s homeowners are racing to refinance their HDB loans.
Could now be the smartest time to switch from HDB&rsquo;s 2.6% rate to a bank loan?
Or are there hidden risks that could derail your savings goals?
From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing.
Then, turn your attention to retirement - how much insurance coverage do you really&nbsp;need to protect your future without overpaying?
Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties.&nbsp;&nbsp;

Your Money With Michelle Martin (9am - 12pm) It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

Your Money With Michelle Martin (9am - 12pm) It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin

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

How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin (9am - 12pm)

Money and Me: Should you refinance now?

The era of “set it and forget it” ETF investing is being challenged - are passive ETFs no longer enough?

Michelle Martin dives into the shifting ETF landscape with Aman Pujara, Director of Quantitative Research and Portfolio Construction at Syfe, as investors rethink the classic “VOO and chill” strategy.

Hosted by Michelle Martin, this episode explores why active ETFs are rapidly gaining ground, now accounting for over 80% of new launches in 2026.

We examine how  market volatility has exposed the limitations of passive index tracking.

Aman explains why active strategies are attracting a growing share of inflows and offering investors more flexibility.

The conversation also tackles the hidden opportunity costs of staying fully passive during turbulent markets and the fees involved in active ETF investing.

How investors can distinguish true active skill from trend-following products?

The era of &ldquo;set it and forget it&rdquo; ETF investing is being challenged - are passive ETFs no longer enough?
Michelle Martin dives into the shifting ETF landscape with Aman Pujara, Director of Quantitative Research and Portfolio Construction at Syfe, as investors rethink the classic &ldquo;VOO and chill&rdquo; strategy.
Hosted by Michelle Martin, this episode explores why active ETFs are rapidly gaining ground, now accounting for over 80% of new launches in 2026.
We examine how&nbsp; market volatility has exposed the limitations of passive index tracking.
Aman explains why active strategies are attracting a growing share of inflows and offering investors more flexibility.
The conversation also tackles the hidden opportunity costs of staying fully passive during turbulent markets and the fees involved in active ETF investing.
How investors can distinguish true active skill from trend-following products?

Money and Me:  Why Active ETFs Are Surging in 2026

AI demand is exploding - but can Nvidia really deliver a trillion-dollar future?

Michelle Martin and Ryan Huang unpack Nvidia’s bold $1 trillion AI forecast driven by Blackwell chips, Vera Rubin systems and the rise of agentic AI that can act, not just respond.

Hosted by Michelle Martin with Ryan Huang, the conversation explores whether Nvidia can maintain dominance as rivals circle and energy constraints loom.

We also revisit Berkshire Hathaway’s $2 billion Iran oil windfall - a reminder of Buffett’s enduring edge in geopolitics and commodities.

In corporate news, Dollar Tree surprises on pricing power while Peloton pivots to gyms, Sert expands logistics assets in Europe, and SATS rides cargo growth optimism.

Back home, the STI climbs with Singapore Exchange, Singtel and Wilmar leading gains even as UOL lags.

And in today’s Last Word, Pop Mart faces life after Labubu mania - can it reinvent its toy empire?

AI demand is exploding - but can Nvidia really deliver a trillion-dollar future?
Michelle Martin and Ryan Huang unpack Nvidia&rsquo;s bold $1 trillion AI forecast driven by Blackwell chips, Vera Rubin systems and the rise of agentic AI that can act, not just respond.
Hosted by Michelle Martin with Ryan Huang, the conversation explores whether Nvidia can maintain dominance as rivals circle and energy constraints loom.
We also revisit Berkshire Hathaway&rsquo;s $2 billion Iran oil windfall - a reminder of Buffett&rsquo;s enduring edge in geopolitics and commodities.
In corporate news, Dollar Tree surprises on pricing power while Peloton pivots to gyms, Sert expands logistics assets in Europe, and SATS rides cargo growth optimism.
Back home, the STI climbs with Singapore Exchange, Singtel and Wilmar leading gains even as UOL lags.
And in today&rsquo;s Last Word, Pop Mart faces life after Labubu mania - can it reinvent its toy empire?

Market View: Nvidia’s $1 Trillion AI Bet, Buffett’s Oil Windfall & Markets on the Move

Cheap mortgages, a flood of resale flats, and a widening condo price gap - is 2026 the year to buy, sell, or refinance your property?

Michelle Martin explores Singapore’s unusual property moment and what it might mean for you.

Daniel Sim, Founder, Golden Goose Properties and Michelle unpack whether owners should sell ahead of rising competition, refinance their loans while rates are low, or upgrade to private property.

Could ripple effects could extend into executive condominiums and resale condos as more homeowners consider upgrading?

With new launch prices climbing and the gap with resale condos approaching 50%, buyers and sellers face a complex set of decisions.

We also explore what Singaporeans who bought overseas property should do if those investments are underperforming in today's market.

Cheap mortgages, a flood of resale flats, and a widening condo price gap - is 2026 the year to buy, sell, or refinance your property?
Michelle Martin explores Singapore&rsquo;s unusual property moment and what it might mean for you.
Daniel Sim, Founder, Golden Goose Properties and Michelle unpack whether owners should sell ahead of rising competition, refinance their loans while rates are low, or upgrade to private property.
Could ripple effects could extend into executive condominiums and resale condos as more homeowners consider upgrading?
With new launch prices climbing and the gap with resale condos approaching 50%, buyers and sellers face a complex set of decisions.
We also explore what Singaporeans who bought overseas property should do if those investments are underperforming in today's market.

Money and Me: Should you refinance now?

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