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?

Our company in focus list, zeroes in on companies we here know about in Singapore.

In 2026, it’s no longer about whether markets rise - it’s about which companies truly deliver.
Money and Me looks past daily noise to uncover businesses entering pivotal turning points across sectors..

Hosted by Michelle Martin, this episode features Vance Tan, Financial Services Manager, PhillipCapital, on spotting durable value beyond headlines.

We explore how to identify companies with real structural tailwinds versus short-term hype and headline-driven rallies.

The discussion dives into balance sheet strength, non-negotiable financial metrics, and valuation discipline in a still-uneven market.

Finally, we break down how investors can turn high-conviction ideas into diversified, long-term portfolio strategies without overconcentration. Will STI hit 5000 in 2026?

Our company in focus list, zeroes in on companies we here know about in Singapore.
In 2026, it&rsquo;s no longer about whether markets rise - it&rsquo;s about which companies truly deliver. Money and Me looks past daily noise to uncover businesses entering pivotal turning points across sectors..
Hosted by Michelle Martin, this episode features Vance Tan, Financial Services Manager, PhillipCapital, on spotting durable value beyond headlines.
We explore how to identify companies with real structural tailwinds versus short-term hype and headline-driven rallies.
The discussion dives into balance sheet strength, non-negotiable financial metrics, and valuation discipline in a still-uneven market.
Finally, we break down how investors can turn high-conviction ideas into diversified, long-term portfolio strategies without overconcentration. Will STI hit 5000 in 2026?

Money and Me: Finding the Winners That Matter in 2026

The discussion looks at chips surging and banks cashing in.

Asia-Pacific markets trade mixed as investors weigh TSMC’s blockbuster earnings against fresh US-Taiwan trade developments.

We unpack what Taiwan Semiconductor Manufacturing Company’s profit jump says about the durability of the AI trade and global chip supply chains.

Wall Street steadies as Goldman Sachs and Morgan Stanley deliver strong earnings, powered by trading and wealth management.

In UP or DOWN, we size up Spotify’s price hike, Boston Scientific’s mega-deal, and CapitaLand India Trust’s data-centre push.

And in our Last Word, we ask what authenticity means when a very unusual singer with no soul climbs Spotify’s charts - hosted by Michelle Martin with Ryan Huang.

The discussion looks at chips surging and banks cashing in.
Asia-Pacific markets trade mixed as investors weigh TSMC&rsquo;s blockbuster earnings against fresh US-Taiwan trade developments.
We unpack what Taiwan Semiconductor Manufacturing Company&rsquo;s profit jump says about the durability of the AI trade and global chip supply chains.
Wall Street steadies as Goldman Sachs and Morgan Stanley deliver strong earnings, powered by trading and wealth management.
In UP or DOWN, we size up Spotify&rsquo;s price hike, Boston Scientific&rsquo;s mega-deal, and CapitaLand India Trust&rsquo;s data-centre push.
And in our Last Word, we ask what authenticity means when a very unusual singer with no soul climbs Spotify&rsquo;s charts - hosted by Michelle Martin with Ryan Huang.

Market View: Is the AI trade back on?

Singapore REITs may finally be turning the corner.

Singapore REITs enter 2026 at a pivotal moment say's Kenny Loh, as interest-rate cuts revive sentiment and valuations remain below historical averages.

After delivering a near-23% gain in 2025 - their best run since 2019 - analysts expect a two-year earnings upgrade cycle driven by falling borrowing costs and rising distributions.

We unpack which REITs face refinancing risks, how balance sheets are being managed, and where higher interest coverage offers protection.

From industrial and logistics to retail, offices and data centres, we assess which property sub-sectors look resilient - and which still face headwinds.

We also ask whether current price-to-NAV discounts present compelling entry points, or if markets are still pricing in too much caution.

Joining us is Kenny Loh, REIT Specialist and Wealth Advisory Director, as we discuss strategy, risks and specific S-REITs on the radar for 2026, hosted by Michelle Martin.

Singapore REITs may finally be turning the corner.
Singapore REITs enter 2026 at a pivotal moment say's Kenny Loh, as interest-rate cuts revive sentiment and valuations remain below historical averages.
After delivering a near-23% gain in 2025 - their best run since 2019 - analysts expect a two-year earnings upgrade cycle driven by falling borrowing costs and rising distributions.
We unpack which REITs face refinancing risks, how balance sheets are being managed, and where higher interest coverage offers protection.
From industrial and logistics to retail, offices and data centres, we assess which property sub-sectors look resilient - and which still face headwinds.
We also ask whether current price-to-NAV discounts present compelling entry points, or if markets are still pricing in too much caution.
Joining us is Kenny Loh, REIT Specialist and Wealth Advisory Director, as we discuss strategy, risks and specific S-REITs on the radar for 2026, hosted by Michelle Martin.

Money and Me: Should you refinance now?

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