Your Money with Michelle Martin

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.  See omnystudio.com/listener for privacy information.

The AI wave just got louder - Palantir posts a sixfold profit surge while Grab edges closer to sustainable profitability. Investors are also buzzing over Amazon’s mega cloud deal with OpenAI and Nvidia, and whispers of a CapitaLand–Mapletree merger shake up Singapore’s market scene. From global tech breakouts to local REIT speculation, Michelle unpacks the trends that could shape portfolios next quarter. Featuring insights on Palantir, Nvidia, Amazon, Grab, Jardine Matheson, and CapitaLand.  See omnystudio.com/listener for privacy information.

Earnings are soaring, rates are falling, and investors can’t decide whether to celebrate or brace for impact. Join Michelle Martin and trading expert Simon Ree, Founder of Tao of Trading, as they unpack a blockbuster week for markets - from Apple, Microsoft, Alphabet, Amazon, and Meta’s AI-driven profits to the Fed’s latest rate cut and the U.S. - China trade truce. Can trillion-dollar tech giants hold their lead as AI spending skyrockets? And how long can markets keep levitating on optimism alone? Plus, a sneak peek into Simon’s upcoming Tao of Trading Mastermind Live in Singapore. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Big Oil meets Big Tech - as ExxonMobil and Chevron beat Wall Street expectations while pivoting toward powering AI’s next frontier. Join the market ride from ExxonMobil and Chevron’s earnings to the AI-fueled spending surge at Alphabet, Meta, Microsoft, and Amazon. Michelle and Ryan unpack whether an AI bubble could be forming, what’s fueling U.S. markets, and what to watch this week - from Palantir and Pfizer to McDonald’s, Warner Bros Discovery, and YZJ Maritime. Hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

What happens when the private equity boom meets a world of higher rates and lower liquidity? INSEAD Professor Claudia Zeisberger returns with a rewritten edition of Mastering Private Equity for a new financial era. Discover how investors are shifting from growth to stability, embracing private debt, and navigating the surge in secondaries and continuation funds. Hear how democratising the once-exclusive world of private capital is reshaping the landscape.See omnystudio.com/listener for privacy information.

Gold surges past US$4,000. Tech valuations swing. Emerging markets rise as supply chains shift east. Are KGI’s “ACE” pillars - Alternatives, Credit, and Elite Stocks - still winning in 2025? Bryan Low, Head of International Wealth for Singapore at KGI, joins Michelle Martin to unpack  opportunities driven by the AI boom, shifting geopolitical risks, emerging markets and the resilience of REITs in income portfolios. See omnystudio.com/listener for privacy information.

Gold surges, Hong Kong banks tumble, and Uniqlo hits another record - what’s really driving markets this week? HSBC’s massive Hang Seng buyout shocks investors, while Wall Street buzzes over the “debasement trade” as commodities soar. Michelle Martin and Ryan Huang unpack what’s behind gold at US$4,000, silver at US$50, and Asia’s shifting sentiment. Plus: quick takes on PepsiCo, TSMC, Delta, Ferrari, Top Glove, and Fast Retailing. From matcha trends to market turns - this is your morning market intelligence, hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

Can Asia’s economic resilience and the AI revolution shield its markets from U.S. political turbulence? Morningstar’s Kai Wang joins Michelle Martin to break down where the real long-term value lies in Asia’s equity landscape. From semiconductors powering the AI wave to Macao’s gaming revival and China’s restaurant rebound, discover how investors can look past the noise. Hear insights on sectors set to thrive amid trade fragmentation, consumer shifts, and policy change. A data-driven roadmap to the next phase of Asia’s growth, hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Gold smashes through the $4,000 mark for the first time ever, igniting debate over whether this is a 1970s-style inflation hedge moment or a sign of fear overtaking fundamentals. Michelle Martin breaks down what’s driving the record surge, why Ray Dalio says investors should own more gold, and how the U.S. shutdown and Wall Street’s pause tie into this moment. Plus, Singapore’s STI rallies as DBS hits a historic S$150 billion valuation. In “Up or Down,” Michelle spotlights Grab, CapitaLand Ascendas REIT, LG Electronics, Trilogy Metals, and Dell - and what their latest moves reveal about market sentiment. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

What would you do if $129,600 landed back in your account overnight? Hosted by Michelle Martin, this episode dives into the maturity of Singapore’s first-ever 10-year Savings Bond and what investors might be weighing to do next. Elijah Lee from Phillip Securities joins to unpack reinvestment strategies, the trade-offs between safety, liquidity, and yield, and how SSBs stack up against T-Bills and SGS bonds. Learn whether to hold, ladder, or redeploy your cash - and where the smartest low-risk opportunities may lie now.  See omnystudio.com/listener for privacy information.