MONEY FM 89.3 - Your Money With Michelle Martin

Tighter rules are reshaping the property game in Singapore. From the High Court ruling that 99-1 ownership splits can be deemed tax evasion, to the Housing Development Board’s new Prime and Plus flat classifications with stricter resale conditions, today’s buyers face a whole new set of constraints. Add in the long-term implications for downgrading or cashing out, and the decision matrix has never been more complex. Hosted by Michelle Martin, this episode unpacks what these changes mean for investors and first-time buyers alike, and asks the big question: with rising restrictions at home, could overseas property be the smarter play? Daniel Sim, Founder of Golden Goose Properties chats with Michelle Martin to share his thoughts.See omnystudio.com/listener for privacy information.

A geopolitical jolt, corporate earnings swings, and a moonshot in energy — this Market View has it all. US President Donald Trump is calling for Intel CEO Lip-Bu Tan’s resignation, stoking US-China tech tensions and hitting drone maker DJI. Genting Singapore’s profits slide 34% despite higher theme park attendance, while Restaurant Brands’ earnings drop even as sales grow. In UP or DOWN, Eli Lilly, TSMC, Singapore Land, and DBS take the spotlight. The STI gains on Yangzijiang’s strong results, and in our Last Word, the US plans a nuclear power plant on the moon. Hosted by Michelle Martin with Ryan Huang. See omnystudio.com/listener for privacy information.

Will your favourite pharma players suffer greatly because of Trumps' proposed massive pharma tariffs? Will embodied AI bring China ahead in the AI race vs the West? Can Palantir's monster results continue or is the market already pricing in perfection with this company? Michelle Martin and Arun Pai discuss geopolitics, innovation, and valuations. From Trump’s jaw-dropping plan to slap 250% tariffs on pharmaceutical imports, to the growing rift in AI strategy with open vs closed models. Michelle Martin and Arun Pai from Monk’s Hill Ventures connect the dots; Will Trump’s pharma gamble squeeze margins—or spark opportunity? Is the AI Cold War creating investible divergence? And is Palantir’s AI-fueled surge still worth chasing after a record-breaking quarter? Plus, how Mark Cuban’s Cost Plus Drugs is rewriting the pharma playbook with radical price transparency.See omnystudio.com/listener for privacy information.

DBS hits above expectations while UOB disappoints - Michelle Martin and Ryan Huang unpack what’s driving profits at Southeast Asia’s top banks. Over in the U.S., Disney doubles its earnings as theme parks and streaming shine, but TV headwinds remain. Meanwhile, trade tensions escalate: Trump doubles tariffs on India and proposes a 100% levy on semiconductor chips. What could this mean for Singapore-based chipmakers? In our UP or DOWN segment: Uber, Yangzijiang Shipbuilding, Acrophyte Hospitality Trust, and Venture Corp take the spotlight. Hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

Ryan Chaw ate many Subway 5-foot long sandwiches and worked two jobs as he built his property empire. Now retired at age 31, he went from working as a pharmacist to real estate millionaire through student housing in just 7 1/2 short years. Michelle Martin finds out how Ryan saved and strategized his way to building a property empire of properties across the USA. Hear which parts of his model would work for property investors in Singapore who want to replicate his rent-by-room model and discover how to start building your property portfolio that supports the lifestyle you want, no matter your market.See omnystudio.com/listener for privacy information.

Pfizer smashes expectations — but can it keep going as Trump eyes 250% tariffs on drugs and semiconductors? Hosted by Michelle Martin with Ryan Huang, this Market View dives into what’s powering Pfizer’s rebound, whether Yum! Brands is giving us clues about US consumer strength, and how new Trump tariffs may rattle markets. Plus: Tesla vs BYD, TSMC resilience, CICT’s billion-dollar REIT deal, and a check on Singapore’s STI after breaking 4,200. Catch all the moves — and what they could mean for your portfolio.See omnystudio.com/listener for privacy information.

What do pop lyrics, kaya toast, and kampung kitchens have in common? They’re all portals into the Merdeka Generation.In this episode of Read with Michelle, host Michelle Martin sits down with award-winning author Josephine Chia to explore her latest short story collection Merdeka Generation Groovers and Other Stories. Through whimsical characters and soulful kampung scenes, Chia honours Singapore’s Merdeka Generation—those born in a time of struggle, now aging in a rapidly modernising nation. What does it mean to grow old in a young country? How do humour and heartbreak mix in tales of resilience? Tune in as Michelle and Josephine discuss the legacy, music, and meaning woven into these richly local stories.See omnystudio.com/listener for privacy information.

What if the ground beneath your feet gave way—are you covered? A sinkhole along Tanjong Katong South Road jolted Singaporeans into asking tough questions: if you fall victim to such an event, will insurance step in—or will the dreaded “Act of God” clause shut the door? As Singapore turns 60, Money and Me zooms in and out—from personal compensation to national climate resilience. Host Michelle Martin speaks with Elijah Lee, Senior Financial Services Manager at Phillip Securities, to unpack insurance policies, legal definitions, and the evolving landscape of climate risk protection. From sinkholes to catastrophe bonds, it’s time to rethink how Singapore prepares for the unpredictable—hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

A Singapore billionaire pleads guilty, but his company’s shares are soaring—what gives? In today’s Market View, Michelle Martin and Ryan Huang unpack the latest market-moving headlines. From Ong Beng Seng’s guilty plea in a case that’s rocked Singapore’s political and business elite, to why investors seem unfazed as Hotel Properties rallies over 50% this year. They also dig into Palantir’s fresh earnings and its expanding military contracts, plus play UP or DOWN with REITs like Lendlease and CapitaLand Ascendas. Wrapping up with the local market pulse and the Last Word, it’s all here — hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

What does it take to lead a wellness empire with both structure and soul? Hosted by Michelle Martin, this episode of Influence features Chong Kawee, CEO and Co-Founder of Kinohimitsu. From pioneering Southeast Asia’s first halal collagen drink to navigating a post-pandemic digital boom across Shopee, TikTok Shop, and Lazada, Chong shares how he turned balance sheets into beauty drinks. Discover how Kinohimitsu balances rapid innovation with consumer trust, leverages omnichannel mastery, and imagines a Vision 2030 rooted in national well-being. We explore category creation, cross-border expansion via Kinofy, and the evolving wellness economy—from aesthetics to longevity.See omnystudio.com/listener for privacy information.

Is Trump stoking the economic furnace ahead of the midterms—and what does that mean for your portfolio? Hosted by Michelle Martin, this episode of Money and Me features veteran trader Simon Ree, founder of The Tao of Trading. With U.S. job numbers weakening, earnings from the Magnificent 7 in full swing, and the traditionally bearish August-September season upon us, Simon shares how he’s trading through macro uncertainty. rom the bond market’s heat signals to the dollar’s potential comeback, find out what setups to watch, what to avoid, and how to cut through the noise with precision and clarity.See omnystudio.com/listener for privacy information.

What’s going on with Warren Buffett’s Berkshire Hathaway — and is its golden era fading? Hosted by Michelle Martin with Ryan Huang, this episode of Market View dives into underwhelming earnings, Kraft Heinz woes, and the stock's recent slide post-retirement news. Plus, we break down Apple’s AI ambitions after Tim Cook’s rare pep talk, the latest Wall Street dip sparked by poor jobs data and Trump’s new tariffs, and a closer look at Palantir’s $10B US Army deal. Also on the docket: Singapore Airlines downgraded, Thai Airways’ comeback, CDL’s hotel ambition, and Amazon’s “Netflix of AI” idea shaking up entertainment.See omnystudio.com/listener for privacy information.

Is China uninvestible—or a misunderstood giant in your portfolio strategy? Michelle Martin dives deep with Seow Kek Wee, CIO of Unicorn, to uncover the real story behind China’s markets. Despite headlines of crackdowns and trade wars, China just posted 5.2% growth and booming Belt and Road flows. Are there still pockets of value in Chinese stocks? How does China stack up against India? Plus: alternative safe havens—gold, copper, real estate—and whether crypto belongs in long-term wealth plans. This is Unicorn's first interview in two decades, don't miss this rare conversation! See omnystudio.com/listener for privacy information.

Apple surprises Wall Street, but Amazon stumbles—what’s behind the market mood swing? Michelle Martin and Ryan Huang dive into Apple’s $24B quarter, Amazon’s cloudy outlook, and Singapore earnings from OCBC, Keppel, and Jardine Matheson. Get the breakdown on how Donald Trump's sweeping new tariffs are rattling Asia-Pacific markets. Plus, Moderna vs BioNTech—whose post-Covid pivot is paying off? Markets in Seoul, Sydney, and Tokyo are in the red—find out why. Hosted by Michelle Martin with Ryan Huang. See omnystudio.com/listener for privacy information.

Is cash still king—or just an underperforming subject? Cash offers safety and flexibility, but it also risks being eroded by inflation and market opportunity costs. Michelle Martin explores how to smartly put idle cash to work amid shifting rate environments and geopolitical uncertainty. From high-yield alternatives to multi-asset strategies, find out how to rethink your liquidity playbook. Hosted by Michelle Martin with guest Mahesh Sethuraman, CEO of Saxo Singapore. See omnystudio.com/listener for privacy information.

Big Tech beats the street — what’s next for markets? Meta and Microsoft impress with massive earnings jumps and post-session stock surges. We break down the AI-powered momentum behind Meta’s 11% leap and Microsoft’s $4 trillion club status. Plus, a surprise Fed vote split, new Trump tariffs on South Korea, India, and Brazil, and what it all means. Also in focus: Amazon, Reddit, Foxconn, HSBC, UBS, Seatrium, Jardine Cycle & Carriage, CapitaLand India & China Trusts, Singapore Airlines, and Yangzijiang Shipbuilding. Hosted by Michelle Martin with Ryan Huang. See omnystudio.com/listener for privacy information.

In this episode of READ, hosted by Michelle Martin, meet Avni Martin, Founder of Wasambe Coach Training School and author of Happy Ever After. Discover the HAPPY System™, her coaching framework that aligns internal awareness with external action to drive deep transformation. Tune in to rethink how you lead—from the inside out. See omnystudio.com/listener for privacy information.

Is it time to rethink the China narrative? After years of investor pessimism, the Hang Seng Index is up over 22% in 2025—but is this rally for real, or just a mirage? From innovation in EVs and AI to steep equity discounts, could China finally be shedding its “uninvestible” tag? Hosted by Michelle Martin, this episode features Willie Keng, Founder of Dividend Titan, as we unpack what's driving China’s market rebound, why global fund managers are paying attention again, and how investors can approach the world's second-largest economy with clear eyes and a smart strategy.See omnystudio.com/listener for privacy information.

What do F1-linked scandals, Ponzi schemes, and popcorn-serving robot dogs have in common? Hosted by Michelle Martin with Ryan Huang, today’s Market View dives into Hotel Properties Limited (HPL) and its Orchard Road asset play, and the fallout from Envy Asset Management’s billion-dollar nickel scam. We also unpack shifting US trade policy under President Trump and its implications for Singapore, with the 10% tariff still looming. In our corporate roundup, we dissect the latest from AstraZeneca, Merck, Novo Nordisk, UOB’s United Overseas Insurance, and First REIT. Finally, we marvel at Unitree, UBTech Robotics, and Agibot at China’s AI Summit. From legal woes to leaping robot dogs—don’t miss today’s episode.See omnystudio.com/listener for privacy information.

Could going carnivore wreak havoc on your gut, even as the kilos melt away? In this episode, Dr. Chok Aik Yong, Colorectal Surgeon at Aelius Surgical Centre, joins the dots between a popular weight-loss diet, and the risks to our health. From constipation and cancer to red flags and fibre fixes, we dive into what influencers don’t always mention. If you’re tempted by the carnivore craze—don’t miss this conversation in Influence with Michelle Martin.See omnystudio.com/listener for privacy information.

According to the People at Work 2025 report by ADP Research, 60% here in Singapore lived paycheck to paycheck last year. Are you spending every dollar you earn—and wondering why saving feels impossible? What is the real problem here? Michelle Martin dives into the rise of the “100 per cent spender”. From frictionless digital payments to lifestyle creep, are we wired to overspend in the modern age? Steffi Teo, Senior Wealth Manager at Phillip Securities, joins to share practical strategies for breaking the cycle. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Is Singapore Airlines losing altitude while Tesla soars with a mega chip deal? Singapore Airlines sees profits plunge nearly 60%—but its share price tells another story. Meanwhile, BYD dominates Singapore's EV market and Huawei claims the top smartphone spot in China. The NASDAQ and S&P 500 hit fresh records as the Dow lags behind. Tesla surges on news of a $16 billion chip partnership with Samsung. Plus, we check in on STI movers including Keppel DC REIT and Jardine Matheson. Hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

Is your money working hard enough—or just sitting in bricks and mortar? Hosted by Michelle Martin, this SG60 special unpacks how Singaporeans can build smarter, more diversified portfolios. Daphne Tan, Director of Business Development at CMC Markets Singapore, joins to explain the Straits Times Index (STI), and how to get exposure to it. From CPF investing to balancing property with equities and T-bills, we decode practical strategies for every life stage to make your money work harder—right here in Singapore. See omnystudio.com/listener for privacy information.

Jeff Bezos cashes out billions while Samsung lands a $16B deal—what does it all mean for markets? Asia-Pacific opens the week mixed amid news of a US-EU trade pact. Hosted by Michelle Martin with Ryan Huang, this episode breaks down the tariff fallout, Amazon’s rally, and surprising gains from Rex International and Hiap Seng Industries. We also check in on earnings from ST Micro, Apple, and S-REITs. Plus, the STI’s top movers: DFI Retail, City Developments, and SingTel. Companies featured: Amazon, Samsung, Rex International, Hiap Seng, ST Micro, SingPost, Puma, Volkswagen.See omnystudio.com/listener for privacy information.

Is Trump good for business, or just good for market headlines? Hosted by Michelle Martin with Swapnil Mishra, this episode dives into the real economic impact of the Trump presidency. From tax cuts and deregulation to tariffs targeting Asia, what’s been the net effect? Hear how industries in Indonesia, Vietnam, Japan, and Singapore may need to rethink manufacturing strategy. We unpack the stock market’s mixed response.See omnystudio.com/listener for privacy information.

Las Vegas Sands stuns with record revenues as MBS delivers its best quarter yet. Hosted by Michelle Martin with Ryan Huang, this episode dives into standout earnings from LVS, Intel, FCT, and Suntec REIT. Find out what’s driving investor optimism—and where challenges remain. We break down share buybacks, REIT resilience, and AI’s impact on tech giants. Plus, Sydney Sweeney turns American Eagle into a meme stock star. Names mentioned: Las Vegas Sands, Intel, Alphabet, Tesla, Frasers Centrepoint Trust, Suntec REIT, American Eagle, Elite UK REIT, ST Engineering, ST Group Food.See omnystudio.com/listener for privacy information.

Meme stocks are flying high—GoPro, Krispy Kreme, and Beyond Meat are back on traders' radars. Is it FOMO, technical breakouts, or another wild retail ride? Tesla stumbles, Alphabet soars, and the Fed faces fire from President Trump. Inflation stays sticky, tariffs loom, and the “Big Beautiful Bill” shakes up fiscal policy. Simon Ree, Founder of Tao of Trading, breaks down the psychology, strategy, and setups.See omnystudio.com/listener for privacy information.

Donuts, robotaxis, and AI cloud wars — what a week in markets! Alphabet smashes earnings expectations with YouTube and Cloud; Tesla falters as Musk talks robots over revenue. Retail traders go wild for GoPro and Krispy Kreme, pushing meme stocks back into the spotlight. SingPost plots a turnaround amid board changes and past scandal, while ST Engineering inks $4.7B in new deals. We check in on Mapletree Logistics Trust, DFI Retail, and the Straits Times Index’s record climb. Hosted by Michelle Martin with Ryan Huang, we bring you the stories behind the swings.See omnystudio.com/listener for privacy information.

Nancy Ho, a former strategist turned subconscious reprogramming expert, helps leaders move from burnout to alignment. She sits with Michelle Martin for a deep dive into how to decode early belief systems for the high-functioning elite. Hosted by Michelle Martin, this conversation explores leadership, congruence, and the paradox of success.See omnystudio.com/listener for privacy information.

Could your next best investment lie in a country you may have overlooked until today? Frontier markets—from Vietnam to Africa and beyond—are often overlooked, but are they poised for breakout growth? Michelle Martin sits down with Johannes Loefstrand, Portfolio Manager at T. Rowe Price, to explore how investors can spot real value in high-potential but volatile frontier economies. From Vietnam’s bold market reforms to Asia’s rising digital frontier, discover what’s changing, what’s worth watching, and how to manage risk when investing on the edge. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Tokyo stocks surge nearly 2% after Trump’s “largest deal ever” with Japan shocks markets. Join Michelle Martin and Ryan Huang as they unpack new trade pacts with Japan, Indonesia, and the Philippines—while Singapore waits its turn. From Coca-Cola’s sugary switch to GM’s tariff hit, and Kohl’s meme-fueled rally to DFI Retail’s strong dividend story, we dive into a jam-packed day of corporate headlines. SIA Engineering impresses, SingPost sells off, and the STI’s top movers—from Jardine Matheson to Wilmar—are in focus. Hosted by Michelle Martin with Ryan Huang, this episode covers Coca-Cola, GM, Kohl’s, SIA Engineering, DFI Retail, SingPost, Jardine Matheson, Wilmar, SATS, UOL Group. Plus, the Last Word goes to Ozzy Osbourne—a rock icon whose echo still shakes the world.See omnystudio.com/listener for privacy information.

What if the next great investment opportunity lies not on Earth—but in orbit? Hosted by Michelle Martin, this episode explores how space is transforming into the next trillion-dollar economy. Dr. Kartik Sheth, Chairman of the Council of SST Think Tank and a former NASA scientist, discusses Singapore’s emerging role, why Asia is uniquely poised to lead, and which space economy sectors are attracting global capital. From space-based energy to the Mars economy, moonshot thinking and more, discover where your business and portfolio could boldly go next.See omnystudio.com/listener for privacy information.

What do a Coldplay concert, a $50 billion Big Pharma pledge, and insider selling at Morgan Stanley have in common? They're all shaking up markets today. Hosted by Michelle Martin with Ryan Huang, this episode dives into AstraZeneca’s major U.S. expansion, Trump’s 200% pharma tariff threat, and Sharon Yeshaya’s share sale. We size up Block's S&P 500 rally, Sheng Siong’s momentum, and Lum Chang Creations' hot IPO. Plus, Singapore’s push to energize the STI—and Astronomer’s kiss-cam chaos.See omnystudio.com/listener for privacy information.

Singapore’s REIT market is shifting—do you know where the real yields are? Hosted by Michelle Martin, this episode breaks down the mid-year outlook for Singapore REITs with expert Kenny Loh. From the mixed debut of NTT DC REIT to Centurion’s upcoming Accommodation REIT, we assess IPO appetite and the rising appeal of niche sectors. What impact will looming U.S. tariffs have on industrial REITs? Are cold storage and warehouse assets under threat? And should investors rotate out or double down? Tune in for deep analysis and smart guidance on navigating macro headwinds in search of yield.See omnystudio.com/listener for privacy information.

TSMC enters the trillion-dollar club, Netflix profits jump, but is the stock overhyped? Hosted by Michelle Martin with Ryan Huang, this episode dives into blockbuster earnings from Taiwan Semiconductor Manufacturing Company and Netflix. We unpack why TSMC's profits surged 60% and explore its potential headwinds, including currency risk. Netflix posts a 50% jump in profit—but is investor excitement waning? Plus, we play “Up or Down” with PepsiCo, GE Aerospace, Starbucks, Wilmar, and WeRide. Catch the STI movers including SingTel and DFI Retail, and end with a nostalgic turn to Sega’s comeback strategy.See omnystudio.com/listener for privacy information.

What do you associate with “debt”? A chance at profit or visceral panic? Hosted by Michelle Martin, this episode explores how bonds and private credit are transforming from taboo to treasure. Aman Pujara of Syfe breaks down the growing opportunity in fixed income—from high-quality bonds to private credit options - and options for retail and accredited investors. Learn how Singaporeans can unlock access to premier institutions, discover how debt can diversify your portfolio and boost yield—if you know how to play it.See omnystudio.com/listener for privacy information.

How much of a mess would it be if Powell was fired by the US President? And who might take Powell's place? Hosted by Michelle Martin with Ryan Huang, this episode dives into speculation over Jerome Powell's job, the historic trading win at Goldman Sachs, and market reactions to earnings from Bank of America, Morgan Stanley, and Johnson & Johnson. Find out if Nvidia is riding high or falling flat, and why City Developments surged in Singapore. Companies mentioned: Goldman Sachs, Nvidia, Johnson & Johnson, Morgan Stanley, Bank of America, CapitaLand, City Developments, Jardine Matheson.See omnystudio.com/listener for privacy information.

Host Michelle Martin sits down with Christopher Tan, CEO of Providend, to find out if his April article challenging the most sacred rule of investing: "stay invested for the long run" still holds in his view. In this eye-opening episode, discover if the popular TACO trade ("Trump Always Chickens Out") and trade war strategizing could be an optimist trap and how to identify when it's time to "reset" and realign your portfolio strategy.See omnystudio.com/listener for privacy information.

When three major banks crush earnings expectations while Nvidia rockets to all-time highs on China news, you know something big is happening in the markets. Hosted by Michelle Martin with Ryan Huang, this episode breaks down the explosive earnings from JPMorgan Chase, Wells Fargo, and Citigroup, plus Nvidia's game-changing announcement about resuming AI chip sales to China. The duo explores how banking leaders are staying cautious despite strong profits, while tech stocks surge on renewed US-China trade optimism. Plus, they analyze the latest inflation data and what it means for your portfolio as the Straits Times Index ventures into record territory.See omnystudio.com/listener for privacy information.

How much are you really paying in fees when you buy an ILP? Michelle Martin and Tim Phillips from timtalksmoney.com dive into the high-stakes world of investment-linked policies. Learn when ILPs fees quietly eat into your returns, and what the data says about their real costs. LIA says ILP sales in Singapore surged 41% in 2024 to $2.3 billion — this conversation is more relevant than ever. Are Singaporeans walking into a fee trap? Tim also breaks down why keeping insurance and investment separate could save you thousands in the long run. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

A potential $1.8 billion REIT listing is creating waves — is Centurion’s spin-off a game-changer? NTT DC REIT’s debut draws 10x oversubscription, but did it deliver post-listing? Michelle unpacks earnings momentum in the US: Netflix, JPMorgan, Wells Fargo, Seagate, and Progressive. What does a stronger Sing dollar mean for your wallet? Plus, STI hits a new high with movers like DFI Retail, UOL, and Venture Corp. Hosted by Michelle Martin Companies Mentioned Include: Centurion, NTT DC REIT, Netflix, Seagate Technology, Progressive, DFI Retail & Wilmar International.See omnystudio.com/listener for privacy information.

Private home sales plunge, prices stagnate—yet one new launch has had a warm reception. Singapore’s property market cools in Q2 2025, with private home sales down over 66%. HDB resale price growth slows while new supply looms from MND. Yet CapitaLand’s LyndenWoods defies the downturn with a near sell-out launch. Ivan Cai, CEO of Crestbrick, joins Michelle Martin to decode what it all means for investors. Will interest rates, new stamp duties, and cooling measures shake up the second half of 2025? Hosted by Michelle Martin, this episode uncovers key strategies for buyers, sellers, and landlords.See omnystudio.com/listener for privacy information.