Are investment-linked plans really balancing protection and wealth growth?

Hosted by Michelle Martin.

ILPs now make up 43% of new life insurance sales, but complaints have surged alongside.

Regulators are considering classifying them as complex products by December 2025.

Christopher Tan, CEO of Providend, joins Michelle to unpack how ILPs have evolved with bonuses and fund choices.

Are costs still a dealbreaker despite fat bonus sweeteners?

And should investors keep insurance and investments separate?

Are investment-linked plans really balancing protection and wealth growth?
Hosted by Michelle Martin.
ILPs now make up 43% of new life insurance sales, but complaints have surged alongside.
Regulators are considering classifying them as complex products by December 2025.
Christopher Tan, CEO of Providend, joins Michelle to unpack how ILPs have evolved with bonuses and fund choices.
Are costs still a dealbreaker despite fat bonus sweeteners?
And should investors keep insurance and investments separate?

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: The ILP Debate – Promise or Pitfall?

Is the world quietly walking away from U.S. tech - and should you?

In this episode, hosted by Michelle Martin, we unpack the US$52 billion exodus from U.S. equities - the fastest in 16 years - where is smart money going?

Guest Swapnil Mishra, author of Investing for the Clueless, Reckless and Overly Cautious, explains what “rotation” really means beneath the headlines.

We examine whether U.S. tech is simply expensive - or structurally peaking after years of dominance. Nvidia posts a record US$68.1 billion in revenue while defending AI’s long-term case, even as

Salesforce slides on fears of AI-driven job disruption. Are markets pricing in consumer stress and white-collar layoffs or is that a myth?

Is the world quietly walking away from U.S. tech - and should you?
In this episode, hosted by Michelle Martin, we unpack the US$52 billion exodus from U.S. equities - the fastest in 16 years - where is smart money going?
Guest Swapnil Mishra, author of&nbsp;Investing for the Clueless, Reckless and Overly Cautious, explains what &ldquo;rotation&rdquo; really means beneath the headlines.
We examine whether U.S. tech is simply expensive - or structurally peaking after years of dominance. Nvidia posts a record US$68.1 billion in revenue while defending AI&rsquo;s long-term case, even as
Salesforce slides on fears of AI-driven job disruption. Are markets pricing in consumer stress and white-collar layoffs or is that a myth?

Money and Me: Where is smart investor money going?

A US$100 billion media deal collapses, a gold miner surges 400%, and Nvidia still can’t satisfy investors - what’s really driving markets?

In this episode, hosted by Michelle Martin with Ryan Huang, we unpack Netflix’s decision to walk away from acquiring Warner Bros. Discovery after a superior cash bid from Paramount, and what that means for streaming economics and consumers.

We track CNMC Goldmine’s near-400% profit surge as gold prices power earnings - and ask whether momentum can last after a 500% share price run.

Our UP or DOWN segment ranks Singapore earnings from Soilbuild’s 84% jump to Centurion’s 82% slide - separating operating strength from one-off gains.

In the US, Nvidia drops despite strong results, dragging the NASDAQ lower, while the STI slips below 5,000 with UOL and City Developments leading losses.

We close with market breadth, leadership shifts, and what this rotation tells long-term investors.

Plus: a quick cultural pivot with the Rock & Roll Hall of Fame nominees - because markets, like music, are about timing.

A US$100 billion media deal collapses, a gold miner surges 400%, and Nvidia still can&rsquo;t satisfy investors - what&rsquo;s really driving markets?
In this episode, hosted by Michelle Martin with Ryan Huang, we unpack Netflix&rsquo;s decision to walk away from acquiring Warner Bros. Discovery after a superior cash bid from Paramount, and what that means for streaming economics and consumers.
We track CNMC Goldmine&rsquo;s near-400% profit surge as gold prices power earnings - and ask whether momentum can last after a 500% share price run.
Our UP or DOWN segment ranks Singapore earnings from Soilbuild&rsquo;s 84% jump to Centurion&rsquo;s 82% slide - separating operating strength from one-off gains.
In the US, Nvidia drops despite strong results, dragging the NASDAQ lower, while the STI slips below 5,000 with UOL and City Developments leading losses.
We close with market breadth, leadership shifts, and what this rotation tells long-term investors.
Plus: a quick cultural pivot with the Rock &amp; Roll Hall of Fame nominees - because markets, like music, are about timing.

Market View: Netflix walks away, Gold Miner Rising & Earnings Scorecards

When the Dow drops 800 points in a day, is it panic - or opportunity knocking?

In this episode, hosted by Michelle Martin, we break down the brutal US selloff triggered by fresh 15% tariffs and rising policy uncertainty under President Trump.

Guest Cheng Chye Hsern, Head of Investment at Providend, explains which sectors are taking the hardest hit - and where investors can pivot strategically.

We examine whether today’s volatility risks echoing last year’s “Liberation Day” market tremors.

Closer to home, Singapore’s big three banks post record profits even as margins soften late in the quarter.

With a $1.5 billion boost to the Equity Market Development Programme, we ask whether it’s time to increase home bias toward local stocks.

Finally, we explore how to balance blue-chip resilience with smaller, high-growth opportunities on the STI.

When the Dow drops 800 points in a day, is it panic - or opportunity knocking?
In this episode, hosted by Michelle Martin, we break down the brutal US selloff triggered by fresh 15% tariffs and rising policy uncertainty under President Trump.
Guest Cheng Chye Hsern, Head of Investment at Providend, explains which sectors are taking the hardest hit - and where investors can pivot strategically.
We examine whether today&rsquo;s volatility risks echoing last year&rsquo;s &ldquo;Liberation Day&rdquo; market tremors.
Closer to home, Singapore&rsquo;s big three banks post record profits even as margins soften late in the quarter.
With a $1.5 billion boost to the Equity Market Development Programme, we ask whether it&rsquo;s time to increase home bias toward local stocks.
Finally, we explore how to balance blue-chip resilience with smaller, high-growth opportunities on the STI.

Money and Me: The ILP Debate – Promise or Pitfall?

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