Car ownership is infamously expensive in Singapore. Yet some of us still need a personal vehicle to get around. Car subscriptions like Carzuno offer the option of owning a car, without the high upfront costs involved. Michelle Martin chats with Andrew Chan, co-founder of Carzuno to find out what its subscription really includes, how much drivers stand to save and how this Singapore start-up makes its money.

Car ownership is infamously expensive in Singapore. Yet some of us still need a personal vehicle to get around. Car subscriptions like Carzuno offer the option of owning a car, without the high upfront costs involved. Michelle Martin chats with Andrew Chan, co-founder of Carzuno&nbsp;to find out what its subscription really includes,&nbsp;how much&nbsp;drivers stand to save and how this Singapore start-up makes its money.

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 & Me: Carzuno on whether it's car subscription can save us more money than car ownership?

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: The S-REIT Comeback - Income, Upgrades and What to Buy in 2026

US bank earnings take centrestage as Citigroup, Bank of America and Wells Fargo open their books, revealing a split between headline beats and sharp market reactions.

Citigroup posts stronger-than-expected earnings despite a costly exit, while Bank of America delivers hefty profits - yet both stocks slide.

Wells Fargo disappoints, with severance costs dragging results and shares taking the biggest hit of the day.

Financials lead US markets lower, pulling the S&P 500, NASDAQ and Dow into the red after record highs.

In UP or DOWN, we unpack China’s record trade surplus, silver mining stocks surging past the US$90 mark, DBS unlocking S$1 billion in AI value, and YZJ Maritime expanding its fleet.

And in The Last Word, from earnings to emotions - we ask whether a globalised K-pop industry is finally ready to let its biggest stars fall in love, hosted by Michelle Martin with Ryan Huang.

US bank earnings take centrestage as Citigroup, Bank of America and Wells Fargo&nbsp;open their books, revealing a split between headline beats and sharp market reactions.
Citigroup posts stronger-than-expected earnings despite a costly exit, while Bank of America delivers hefty profits - yet both stocks slide.
Wells Fargo disappoints, with severance costs dragging results and shares taking the biggest hit of the day.
Financials lead US markets lower, pulling the S&amp;P 500, NASDAQ and Dow into the red after record highs.
In UP or DOWN, we unpack China&rsquo;s record trade surplus, silver mining stocks surging past the US$90 mark, DBS unlocking S$1 billion in AI value, and YZJ Maritime expanding its fleet.
And in The Last Word, from earnings to emotions - we ask whether a globalised K-pop industry is finally ready to let its biggest stars fall in love, hosted by Michelle Martin with Ryan Huang.

Market View: Banks Beat, Markets Blink and K-Pop Breaks the Rules

When rates diverge, the real risk isn’t missing the bottom - it’s what you do once you’re there.

Singapore’s interest rates are nearing a projected floor, while the UK remains stubbornly higher - setting up a rare refinancing crossroads for homeowners.

Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about whether this is the moment to lock in cash-flow relief or risk overleveraging,refinancing timelines and borrower psychology.

From Singapore’s TDSR to the UK’s stress tests, we explore how safeguards work - and where blind spots still exist.

Ultimately, it’s about keeping leverage as a disciplined wealth tool, not a silent strain - hosted by Michelle Martin.

When rates diverge, the real risk isn&rsquo;t missing the bottom - it&rsquo;s what you do once you&rsquo;re there.
Singapore&rsquo;s interest rates are nearing a projected floor, while the UK remains stubbornly higher - setting up a rare refinancing crossroads for homeowners.
Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about whether this is the moment to lock in cash-flow relief or risk overleveraging,refinancing timelines and borrower psychology.
From Singapore&rsquo;s TDSR to the UK&rsquo;s stress tests, we explore how safeguards work - and where blind spots still exist.
Ultimately, it&rsquo;s about keeping leverage as a disciplined wealth tool, not a silent strain - hosted by Michelle Martin.

Money & Me: Carzuno on whether it's car subscription can save us more money than car ownership?

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