3 December 2024
Money and Me: Growth investing and CPF review
Is growth investing a viable strategy for someone with a smaller paycheck? How can you maximize the returns on your SRS account? And with the SA set to close in 2025, what does it mean for those turning 55 next year? Find out with Michelle Martin as she speaks to Elijah Lee, Senior Financial Services Manager, Phillip Securities.

Download this podcast.

Listen To His Previous Podcasts:

4 November 2024
Money and Me: The low risk approach to investing when you don't have much to lose 
Join Michelle Martin on Money and Me with her guest Elijah Lee, Senior Financial Services Manager, Phillip Securities. This episode explores foundational investment strategies for anyone new to the idea of growing their savings. Elijah shares insights on safe investment choices, setting achievable financial goals, and navigating risk comfortably. Discover the benefits of etfs, SSB's, Treasury Bills and high-yield savings accountsand learn how compound interest can impact even small investments. Perfect for those new to investing and seeking practical, low-risk pathways to financial growth.

Download this podcast.

7 October 2024
Money and Me: Smart Money Moves for Fresh Graduates
Hosted by Michelle Martin, join us on Money and Me the show all about making your money work harder for you, as we dive into financial strategies for young graduates with Elijah Lee, Senior Financial Services Manager at Phillip Securities. From that first paycheck excitement to his own experience with Singapore Savings Bonds, Elijah offers insights on practical tips on budgeting, choosing between career growth or wealth building, and balancing CPF top-ups with other investments. Whether you're living with parents or managing expenses solo, this episode guides you in making smart money moves that set the foundation for your financial success.

Download this podcast.

10 September 2024
Money and Me: Double Digit Price Hikes for some IP Premiums – What You Need to Know
Five out of seven insurers have raised premiums for private hospital coverage under integrated shield plans, with some hikes reaching double digits. What’s behind these steep increases, and how can policyholders protect themselves? Michelle Martin delves into the factors driving the rise in premiums, the potential long-term impact on the healthcare insurance landscape, and what options consumers have moving forward. Hosted by Michelle Martin with guest Elijah Lee, Senior Financial Services Manager, Phillip Securities, this episode provides essential insights into navigating the changing insurance market.

Download this podcast.

14 August 2024
Money and Me: Modifying FIRE? How about $5k by 50!
Join Michelle Martin as she dives into the FIRE (Financial Independence, Retire Early) movement with Elijah Lee, Senior Financial Services Manager, Phillip Securities. Discover the core principles of FIRE, its suitability for different lifestyles, and the challenges it presents. Elijah explains various FIRE strategies, such as Lean Fire and Fat Fire, and discusses alternative retirement planning approaches for those who find FIRE eats into a meaningful  life. Gain insights on how to adapt retirement planning to today's economic climate and set clear financial goals for a sustainable future.

Download this podcast.

5 July 2024
Money and Me: Why am I paying more for my IP compared to you when we are both gunning for the same ward?
Join Michelle Martin as she delves into the complexities of Integrated Shield Plans variations with guest Elijah Lee, Senior Financial Services Manager at Phillip Securities. Discover why premiums vary significantly across different insurers for the same coverage and what factors to consider when choosing a plan. Learn how to interpret publically avalibale data to make informed decisions about your health insurance. Elijah provides insights on selecting the best coverage, understanding the impact of premiums on your finances, and what first-time buyers should prioritize.

Download this podcast.

6 June 2024
Money and Me: All my assets are locked in my flat, how can I think of wealth transfer?
Broaden your mind! You have a lot more than you think when it comes to wealth transfer. Don't forget that overseas brokerage account needs to liquidated? Then there are the issues of pets and perhaps that precious record collection. Ultimately wealth transfer is about your legacy, who do you want to benefit and why?
Michelle Martin finds out more about wealth transfers with Elijah Lee, Senior Financial Services Manager, Phillip Securities.

Download this podcast.

21 May 2024
Money and Me: Are you better off with or without an Investment Linked Insurance Plan or ILP?
Michelle Martin delves into the world of investment linked insurance plans (ILPs) with guest Elijah Lee, Senior Financial Services Manager, Phillip Securities. Discover when ILPs might make sense, considering your liquidity needs and costs. Hear about the differences between ILPs and alternative instruments, and analyze the risks, benefits, and common misconceptions of ILPs. Elijah provides insights and advice for anyone considering these hybrid financial products.

Download this podcast.

29 April 2024
Money and Me: High Interest Savings accounts are cutting back rates, what should you do?
The high interest rates you used to be able to get on your savings accounts are falling, so where should you put your money? Elijah Lee Senior Financial Services Manager, Phillip Securities shares his ideas on the landscape of opportunity for investors seeking income in this conversation with Michelle Martin.

Download this podcast.

28 March 2024
Money and Me: Should you still invest in SSBs and T-bills?
With interest rates widely expected to be cut some time this year, how relevant and viable are Singapore Treasury bills, fixed deposits, and Singapore Savings Bonds in 2024? And how should you prepare your investment portfolio for an interest rate cut environment? Dan Koh asks Elijah Lee, Senior Financial Services Manager, Phillip Securities.

Download this podcast.

23 February 2024
Money and Me: Does the Budget impact your money now?
Don’t know what to make of the recent Budget 2024? And wondering how we can make the most of the opportunities presented to us for the rest of this year? Michelle Martin and Elijah Lee, Senior Financial Services Manager, Phillip Securities discuss how an understanding of Budget 2024 can complement your financial planning for this year and beyond.

Download this podcast.

3 January 2024
Money and Me: Losing 80K is optional
While the Phillippines has emerged as the epicentre for online scams, we focus right here in Singapore for a show that discusses how you don't have to lose your money to scammers.  What are the warning signs of real scams that have happened here in Singapore and how can you avoid being a victim? Michelle Martin finds out with Elijah Lee, Phillip Securities.

Download this podcast.

19 December 2023
Money and Me: To meet your money goals for 2024, you need to start with this
What essential questions should you be asking as we head into the final 2 weeks of 2023 to help you meet your upcoming financial goals?
Michelle Martin invites Elijah Lee, Senior Financial Services Manager, Phillip Securities to find out how we can reflect on our net worth in order to move to a healthier financial future.

Download this podcast.

3 November 2023
Money and Me:  He's 39 and his annuity pays out in three years
Annuities have a ring of retirement to them. Today however, people (like our guest) like the idea of scheduling retirement earlier. Would you like a fixed income stream that can swell even as payouts start?  How much do you know about using annuities to make your financial dreams come true? Join Michelle Martin and Elijah Lee, Senior Financial Services Manager, Phillip Securities to find out.

Download this podcast.

17 October 2023
Money and Me: Your free financial guide
How much emergency savings should you have? How much of your monthly salary should you be investing? How much insurance coverage should one have? Michelle unpacks the secrets to a holistic financial planning with Elijah Lee, Senior Financial Services Manager, Phillip Securities.

Download this podcast.

6 September 2023
Money and Me: Your choices for insurance even with pre-existing conditions
When it comes to insurance, most of us would know that some pre-existing conditions may prevent us from getting the protection we might need.
But many would be happy to know that these days, more policies are being introduced to cater to those with pre-existing conditions. Today on Money and Me, Michelle Martin invites Elijah Lee, Senior Financial Services Manager, Phillip Securities to find out everything you need to know about getting insured even with pre-existing conditions.

Download this podcast.

4 August 2023
Money and Me: Personal or corporate Insurance? Choices that can save you money.
To what extent does one have a right to choose between using your personal IP or corporate insurance?Michelle Martin speaks to Elijah Lee, Senior Financial Services Manager, Phillip Securities to find out more.

Download this podcast.

3 July 2023
Money and Me: How to save, spend and pass on wealth when costs are rising
80% of young Singaporeans don’t feel they are on the right track to meet their long-term financial goals. Do your money habits need to change now that coffee prices seem to have doubled in some neighbourhoods?How much of your OA should you use for your mortgage? Which annuities continue to provide an income for your children after you’ve passed? Michelle Martin puts these questions to Elijah Lee, Senior Financial Services Manager, Phillip Securities

Download this podcast.

19 June 2023
Money and Me: The dangers of being ‘Asset Rich, Cash Poor’
How much are you willing to give up to live in a bungalow? For some, it might mean their retirement…
Did you know, there is a growing number of distressing predicaments today, faced by retirees who own million-dollar homes, but have insufficient cash savings to meet their living expenses? That’s a term that some of us may describe as ‘asset rich, cash poor’.
So today on Money and Me, Dan Koh invites Elijah Lee, Senior Financial Services Manager, Phillip Securities to discuss how you can avoid the trap of being ‘asset rich, cash poor’, and finding the balance between growing our assets in the long run, while ensuring that we have sufficient cash flow in the short run to meet our financial commitments.

Download this podcast.

22 May 2023
Money and Me: Do you need a rider for your IP to guard vs cancer costs?
Some insurers are now offering additional coverage for cancer treatment and services through their rider policies. What are their implications for your long-term costs and care?
Michelle Martin speaks to Elijah Lee, Senior Financial Services Manager, Phillip Securities to find out more.

Download this podcast

3 April 2023
Money and Me: What’s changed with Integrated Shield Plans and what does this mean for possible cancer care?
From 1st April 2023, several changes related to cancer treatments and cancer services replace the once “as charged” category. What are they and what does this mean for your pocketbook? What Michelle Martin chats with Elijah Lee, Senior Financial Services Manager, Phillip Securities to find out.

Download this podcast.

1 March 2023
Money and Me: Master your money - from impulse buys to when FD’s may not be the best choice
What are some of the biggest money mistakes that we make so often and what can we do to avoid falling into financial distress? That’s exactly what Michelle Martin is looking to find out today as she speaks to Elijah Lee, Senior Financial Services Manager, Phillip Securities who will be equipping us with the right tools to help us take control of our finances better.

Download this podcast.

27 February 2023
Money and Me: Cancer coverage, Integrated Shield Plans and smart ways to think about protection.
How can you think through what some changes to integrated shield plans mean for your level of coverage? Michelle Martin finds out in conversation with Elijah Lee, Senior Financial Services Manager, Phillips Securities.

Download this podcast.

3 February 2023
Money and Me: Are retail investors still loving SSBs and Treasury Bills?
Is interest waning in Singapore Savings bonds? When does it make sense to park cash or even your funds from your CPF into SSB’s and T-bills? Who invests in these instruments and why?
The popularity of government-issued bond securities such as Treasury bills and Singapore Savings Bonds soared to unprecedented heights in 2022, are retail investors still as hungry this year? Michelle Martin finds out with Elijah Lee, Financial Services Manager, Phillip Securities.

Download this podcast.

4 January 2023
Money and Me: The right approach to financial freedom in 2023
What are your financial goals for 2023? With so much to think about, some of us may even struggle to come up or work with a realistic plan.
Well to help us out today, Michelle Martin speaks to Elijah Lee, Financial Services Manager, Phillip Securities as he breaks down everything you need to know about preparing yourself financially for the uncertainties in 2023 and some considerations to know when setting a financial goal.

Download this podcast.

23 December 2022
Money and Me: 2023 CPF updates and how you can maximise its benefits
With CPF updates aplenty in 2023, how can you maximize the benefits to reap its rewards? Well, find out today with Zia-ul Raushan and Dan Koh as they invite on the show Elijah Lee, Financial Services Manager, Phillip Securities to discuss it.

Download this podcast.

22 November 2022
Money and Me: How to effectively integrate the SRS with your overall retirement strategy
Dan Koh and Zia-ul Raushan speak to Elijah Lee, Financial Services Manager, Phillip Securities - dissecting the benefits of the Supplementary Retirement Scheme, and how we can maximise its benefits to prepare ourselves for financial freedom in the future!

Download this podcast.

21 September 2022
Money and Me: Better than cash, less risk than equities, what are your investor options?
Given Singapore's core inflation rate rising to 4.8% in July - with no signs of slowing down - where should we park our money today? And what are some options for us to engage in low-risk cash preservation in this market of uncertainty? Be sure not to miss this episode of Money and Me as Michelle Martin takes a deep dive into these questions with Elijah Lee, Financial Services Manager, Phillip Securities.

Download the podcast.

23 August 2022
Money and Me: Is it too late to think about healthcare insurance for my elderly parents?
Insurance is all about planning ahead but what can you do if you've just realised your parent is turning 70 and you're worried about healthcare costs? Will the amplification power of insurance still work if you start later in life for your parents? Elijah Lee, Financial Services Manager, Phillip Securities and Michelle Martin break down the details of healthcare insurance for our elderly parents.

Download the podcast.

25 July 2022
Money and Me: Planning for mortgage payment in an inflationary environment
One of the most prominent areas where the rising interest rates can be felt here in Singapore is with home mortgage loans. Michelle Martin invites Elijah Lee, Financial Services Manager, Phillip Securities as he breaks down the relative pros and cons of fixed vs floating rate mortgages now and how much we should be spending on your mortgage as a part of your finances.

Download the podcast.

22 June 2022
Money and Me: How much critical illness insurance coverage do you need?
Don’t leave critical illness plans to when you need it, that’s when you are likely not to qualify. What do we need to look out for when understanding the various plans? Michelle Martin and Elijah Lee, Financial Services Manager, Phillip Securities survey the critical illness plan landscape in Singapore.

Download the podcast.

20 May 2022
Money and Me: Do you need Critical Illness Insurance? How could it save you from medical bill shocks?
How will you know if your insurer will pay for the treatment of your disease? Should you make it a practice to ask if a drug is being used off-label? Do you need critical care insurance? Michelle Martin finds out with Elijah Lee, Financial Services Manager, Phillip Securities.

Download the podcast.

20 April 2022
Money and Me: CPF LIFE, how to make it work for you (even if you’re self-employed)
How does CPF LIFE compare with private annuities, property and other methods as a cornerstone for a retirement plan. Michelle Martin finds out in conversation with Elijah Lee, Associate Financial Services Manager, Phillip Securities.

Download the podcast.

23 February 2022
Money and Me: Balancing your CPF funds for home and retirement
More people who used their CPF to pay their housing loans were unable to fully refund the amount after selling their properties in 2020, compared with the previous two years. So how can we balance the use of our CPF funds for home and retirement, or even investments? Michelle Martin gets Elijah Lee, Associate Financial Services Manager, Phillip Securities to share his experience and advice.

Download the podcast.

6 January 2021
Money and Me: Increasing your Careshield Life payouts and splitting the load for family members
Can you raise your payout to over $2000? Michelle Martin speaks to Elijah Lee, Independent Financial Advisor to discuss your choices when it comes to Careshield Life payouts, affordability of premiums, and supplementary plans.

Download the podcast.