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?

Great disruptions don’t arrive with a bang - they begin quietly, on the margins.

From the iPhone to Pampers, history shows that world-changing innovations rarely look revolutionary at first.

In this episode, we explore Epic Disruptions with its author Scott D. Anthony, Clinical Professor of Strategy at the Tuck School of Business at Dartmouth.

The conversation spans AI, creativity, governance, capital markets, and the unintended social consequences of disruption.


How can investors and leaders best scan for or enable disruption? 

Find out with Michelle Martin.

Great disruptions don&rsquo;t arrive with a bang - they begin quietly, on the margins.
From the iPhone to Pampers, history shows that world-changing innovations rarely look revolutionary at first.
In this episode, we explore Epic Disruptions&nbsp;with its author Scott D. Anthony, Clinical Professor of Strategy at the Tuck School of Business at Dartmouth.
The conversation spans AI, creativity, governance, capital markets, and the unintended social consequences of disruption. 
How can investors and leaders best scan for or enable disruption? 
Find out with Michelle Martin.

READ : Epic Disruptions 

Do markets still have room to rally - and where should investors really be positioned for 2026?

After a strong run for equities in 2025, global wealth manager Lombard Odier lays out how investors should think about the next phase.

We unpack the CIO Office Viewpoint with Jack Siu, Head of Discretionary Portfolio Management, Asia at Lombard Odier.

The conversation explores why Lombard Odier is underweight the US, overweight emerging markets, and tactically cautious on Japan.

We dig into standout opportunities in South Korea, healthcare, materials - and the risks markets may still be underpricing.

A practical discussion on portfolio positioning, sector-level alpha and what investors should do next, hosted by Michelle Martin.

Do markets still have room to rally - and where should investors really be positioned for 2026?
After a strong run for equities in 2025, global wealth manager Lombard Odier lays out how investors should think about the next phase.
We unpack the CIO Office Viewpoint with Jack Siu, Head of Discretionary Portfolio Management, Asia at Lombard Odier.
The conversation explores why Lombard Odier is underweight the US, overweight emerging markets, and tactically cautious on Japan.
We dig into standout opportunities in South Korea, healthcare, materials - and the risks markets may still be underpricing.
A practical discussion on portfolio positioning, sector-level alpha and what investors should do next, hosted by Michelle Martin.

Money and Me: Positioning for 2026 - US, EM and the Search for Alpha

Micron just delivered a blowout quarter - and investors are asking whether this is the next Nvidia-style AI trade.

Micron Technology posts blockbuster earnings as AI-driven demand for high-bandwidth memory outstrips global supply, sending shares soaring.

With only three major suppliers - Micron, Samsung and SK Hynix - tight capacity is reshaping how investors value memory makers.

We also unpack fresh developments in TikTok’s long-running US divestment saga and whether a sale can finally quiet Washington’s concerns.

Plus, a closer look at US inflation data that looks benign on the surface - but raises deeper questions beneath the headline number.

From PDD and BP to Nike and OCBC, it’s UP or DOWN on the day’s biggest corporate movers.

All that and more, hosted by Michelle Martin with Ryan Huang.

Micron just delivered a blowout quarter - and investors are asking whether this is the next Nvidia-style AI trade.
Micron Technology posts blockbuster earnings as AI-driven demand for high-bandwidth memory outstrips global supply, sending shares soaring.
With only three major suppliers - Micron, Samsung and SK Hynix - tight capacity is reshaping how investors value memory makers.
We also unpack fresh developments in TikTok&rsquo;s long-running US divestment saga and whether a sale can finally quiet Washington&rsquo;s concerns.
Plus, a closer look at US inflation data that looks benign on the surface - but raises deeper questions beneath the headline number.
From PDD and BP to Nike and OCBC, it&rsquo;s UP or DOWN on the day&rsquo;s biggest corporate movers.
All that and more, hosted by Michelle Martin with Ryan Huang.

Money and Me: Should you refinance now?

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