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?

Veteran of the crypto market CEO of Morph, Colin Goltra is optimistic that the average person will comfortably let AI spend money on their behalf by the end of this year.

A new wave of “agentic commerce” is emerging, where AI agents can negotiate, decide, and transact on your behalf.

But with convenience comes risk: how do you trust an AI with your wallet, and what guardrails actually exist?

A glimpse into the future of money, control, and commerce - hosted by Michelle Martin with CEO of Morph, Colin Goltra.

Morph is an Ethereum Layer 2  blockchain solution focused on global consumer payments.

Veteran of the crypto market CEO of Morph, Colin Goltra is optimistic that the average person will comfortably let AI spend money on their behalf by the end of this year.
A new wave of &ldquo;agentic commerce&rdquo; is emerging, where AI agents can negotiate, decide, and transact on your behalf.
But with convenience comes risk: how do you trust an AI with your wallet, and what guardrails actually exist?
A glimpse into the future of money, control, and commerce - hosted by Michelle Martin with CEO of Morph, Colin Goltra.
Morph is an Ethereum Layer 2&nbsp; blockchain solution focused on global consumer payments.

Money and Me: When AI Spends for You - The Rise of Agentic Payments

AI profits are exploding - but cracks are emerging beneath the surface of global markets.

Samsung’s blockbuster earnings signal unstoppable demand for AI infrastructure, even as geopolitical risks loom.

Meanwhile, private credit shows signs of strain, with Blue Owl hit by withdrawals as Goldman Sachs circles opportunity.

Wall Street edges higher cautiously ahead of escalating tensions involving Iran, with markets watching Trump’s next move.

In corporate action, Broadcom deepens AI partnerships while Seagate emerges as an overlooked AI play.

All eyes now on whether this rally has legs - hosted by Michelle Martin with Ryan Huang.

AI profits are exploding - but cracks are emerging beneath the surface of global markets.
Samsung&rsquo;s blockbuster earnings signal unstoppable demand for AI infrastructure, even as geopolitical risks loom.
Meanwhile, private credit shows signs of strain, with Blue Owl hit by withdrawals as Goldman Sachs circles opportunity.
Wall Street edges higher cautiously ahead of escalating tensions involving Iran, with markets watching Trump&rsquo;s next move.
In corporate action, Broadcom deepens AI partnerships while Seagate emerges as an overlooked AI play.
All eyes now on whether this rally has legs - hosted by Michelle Martin with Ryan Huang.

Market View: AI Boom vs Credit Stress - Chips Soar, Money Pulls Back

What if the next big investment opportunity isn’t in the US, but right next door in Asia where much of AI's backbone is being built?

We zoom in on the “Golden Triangle” of Japan, South Korea and Taiwan, and why this region could power the next phase of global growth.

From Japan’s corporate reforms to Korea’s semiconductor cycle and Taiwan’s dominance in advanced chips, the story is bigger than just tech hype.

We also explore where the real AI opportunities lie - from data centres to cybersecurity - after the recent market pullback.

And what about risks like currency swings and geopolitical tensions - are investors being paid enough to take them?

Michelle Martin speaks with Vance Tan, Financial Services Manager at PhillipCapital - hosted by Michelle Martin.

What if the next big investment opportunity isn&rsquo;t in the US, but right next door in Asia where much of AI's backbone is being built?
We zoom in on the &ldquo;Golden Triangle&rdquo; of Japan, South Korea and Taiwan, and why this region could power the next phase of global growth.
From Japan&rsquo;s corporate reforms to Korea&rsquo;s semiconductor cycle and Taiwan&rsquo;s dominance in advanced chips, the story is bigger than just tech hype.
We also explore where the real AI opportunities lie - from data centres to cybersecurity - after the recent market pullback.
And what about risks like currency swings and geopolitical tensions - are investors being paid enough to take them?
Michelle Martin speaks with Vance Tan, Financial Services Manager at PhillipCapital - hosted by Michelle Martin.

Money and Me: Should you refinance now?

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