Money and Me: What is the Real Cost of an ILP? 

Money and Me: What is the Real Cost of an ILP? 

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.

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Money and Me: Reading the Tape - AI Hype, War Risk & What Options Are Whispering

Money and Me: Reading the Tape - AI Hype, War Risk & What Options Are Whispering

When prices barely move after big news, that’s often the loudest signal of all. Nvidia’s Vera Rubin chip debut at CES promises cheaper, faster, lower-power AI - yet the stock barely flinched, raising questions for both traders and long-term investors. Michelle Martin unpacks what muted price action really means when expectations are crowded and positioning is full. Geopolitical shock from Venezuela has sent gold and silver surging - what does seasoned investor Simon Ree, founder of the Tao of Trading think of the possibilities ahead; follow-through, or a fade? From memory-chip spillovers to crowded AI trades, explore markets with Michelle and Simon in this conversation.See omnystudio.com/listener for privacy information.

7 Tammi 16min

Market View: Nvidia unveils Cheaper AI, Smarter Cars & a Reality Check

Market View: Nvidia unveils Cheaper AI, Smarter Cars & a Reality Check

A single chip may have just changed the economics of artificial intelligence. From CES in Las Vegas, Nvidia unveils its Vera Rubin AI chip - promising faster computing at a fraction of today’s power and cost. Michelle Martin breaks down what cheaper AI means for data centres, electricity demand and capital budgets. The ripple effects spread across global chipmakers as memory shortages drive rallies in Samsung, SK Hynix and Micron. Markets hit fresh records, Shake Shack gets a World Cup twist, and Singapore stocks surge on a softer US dollar. All that and more, hosted by Michelle Martin. See omnystudio.com/listener for privacy information.

7 Tammi 20min

Money and Me: Borrowing to Invest - When Retirement Turns Into Risk

Money and Me: Borrowing to Invest - When Retirement Turns Into Risk

He was told borrowing could boost his retirement - instead it wiped out his peace of mind. A real-life Singapore case shows how a retiree lost a large portion of his savings after taking loans to buy complex insurance-linked investments. In this episode, we unpack why borrowing to invest is especially dangerous once your paycheque stops. We break down the red flags hidden in structured products, leverage, and “projected returns” that sound reassuring but aren’t guaranteed. You’ll learn what questions retirees - and their adult children - must ask before signing anything involving debt. Hosted by Michelle Martin, this Money and Me episode helps you protect retirement capital by understanding what not to do before it’s too late.See omnystudio.com/listener for privacy information.

6 Tammi 24min

Market View: Oil, AI & the Long Game - From Venezuela to Vegas

Market View: Oil, AI & the Long Game - From Venezuela to Vegas

Oil shocks, AI momentum, and record markets - but the real story is who’s positioned to win when geopolitics meets capital. Wall Street rallies as energy stocks surge after US action in Venezuela, putting companies with deep roots - like Chevron - back in the spotlight. We unpack why Halliburton’s Singapore-linked legacy and Chevron’s decades-long patience may now pay off in one of the world’s biggest energy rebuilds. From Caracas to CES 2026, we track how AI demand is moving from hype to factory floors, with Nvidia-linked supply chains firing up. In UP or DOWN, we assess what boardroom shifts, airport traffic records, data-centre leases and new SGX listings signal for investors. Hosted by Michelle Martin with Ryan Huang, Market View connects oil, technology and global capital flows - revealing why timing, scale and staying power matter more than headlines.See omnystudio.com/listener for privacy information.

6 Tammi 23min

Money and Me: How do smart investors choose when to react or relax?

Money and Me: How do smart investors choose when to react or relax?

The biggest threat to your money in 2025 wasn’t what everyone was shouting about, it was your reaction to them. As markets whipsawed through tech shocks, AI scares, and policy pivots, many investors hurt themselves trying to react. This episode reveals the real wealth destroyer hiding beneath the headlines. We unpack volatility, false market narratives and why first impressions often lead investors astray. The conversation challenges the obsession with timing, predictions, and expert forecasts. Hosted by Michelle Martin featuring Chin Hui Leong, the Co-founder, The Smart Investor, this is a reset on how clever investors think through the headlines as we head into 2026.See omnystudio.com/listener for privacy information.

5 Tammi 21min

Market View: Oil Shocks, EV Power Plays & the Bull Market Balancing Act

Market View: Oil Shocks, EV Power Plays & the Bull Market Balancing Act

A geopolitical shock meets market momentum as oil, EVs, and equities collide. The arrest of Venezuela’s leadership puts energy markets back in the global spotlight. Which EV maker has overtaken Tesla? Which is racing toward EV profitability? Meanwhile, we check in on Berkshire's first test under new leadership. Singapore REITs diverge as investors scrutinise funding strategies and balance sheets. Wall Street enters 2026 confident - but stretched valuations, AI bets, and politics loom large. Hosted by Michelle Martin this episode unpacks where optimism holds - and where cracks may be forming.See omnystudio.com/listener for privacy information.

5 Tammi 19min

Money and Me: Retire With More Money

Money and Me: Retire With More Money

Why do intelligent, hard-working people still struggle financially in retirement — and what do they miss along the way? Straits Times Invest Editor, Tan Ooi Boon and author of Retire With More Money discusses the money traps and glimmering opportunities available to us here in Singapore to retire well using foresight. From CPF blind spots and property laws to marriage, legacy planning and investment traps, this conversation tackles the issues people avoid until it’s too late. We unpack real-life cases of devastating financial mistakes - and the quiet habits that protect wealth over decades. This is a discussion for readers, investors, and lifelong learners who believe thinking well is the foundation of living well. Money and Me - hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

24 Joulu 202528min

Market View: Pills, Warships & Copper at Record Highs

Market View: Pills, Warships & Copper at Record Highs

Asia’s markets are mixed this Christmas Eve - but beneath the calm, powerful themes are moving capital fast as investors weigh healthcare breakthroughs, defence spending, and surging commodities. Novo Nordisk jumps as US regulators approve the first-ever GLP-1 weight-loss pill, reshaping the obesity drug market. US defence stocks rally, with Huntington Ingalls riding expectations of higher military spending and domestic shipbuilding. Huawei defies expectations, pushing into ultra-luxury electric vehicles and outselling traditional European carmakers in China. Meanwhile, copper and platinum hit record highs, fuelled by supply constraints, electrification, AI demand and tariff stockpiling. From Singapore stocks to luxury crab replacing caviar, this is Market View - hosted by Michelle Martin solo.See omnystudio.com/listener for privacy information.

24 Joulu 202519min

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