Why Singapore’s low fertility rate last year could really redefine real estate from 2050.

Synopsis: On Wednesdays, The Straits Times takes a hard look at Singapore's social issues of the day with newsmakers.

Singapore is producing fewer babies. Its birth rate, measured by the total fertility rate (TFR), plunged to a record low of 0.87 in 2025, continuing the downtrend of 0.97 in 2023.

The citizen population may start to shrink by the early 2040s. In February 2026, Deputy Prime Minister Gan Kim Yong stressed the need to therefore have a “carefully managed immigration flow to augment our low birth rate”.

As the population shrinks, who would be the buyers in the property market in the future? To delve deeper into this, Lynda Hong hosts Mr Alan Cheong, executive director of consultancy at Savills Singapore.

They also discuss how fewer buyers in the future would push the property market to be rental-based, rather than ownership-driven. They chat too, about the future of the Voluntary Early Redevelopment Scheme (Vers) and how rapid changing technology could change immigration policy.

Highlights (click/tap above):

7:54 How shrinking family sizes have concentrated wealth for young buyers

15:38 The AI threat also applies to immigrant skills

20:09 How Vers could be implemented

24:10 Why Singapore may be leaning towards Generation Rent in the future

25:28 Why youth of the future may not have the same desire to own property later on

27:25 The looming divide between appreciating freeholds and plunging ageing leaseholds

Read ST’s Opinion section: https://str.sg/w7sH

Follow Lynda Hong on LinkedIn: https://str.sg/Gm2v

Host: Lynda Hong (lyndahong@sph.com.sg)

Produced and edited by: Teo Tong Kai

Executive producers: Ernest Luis & Lynda Hong

Follow In Your Opinion Podcast here and get notified for new episode drops:

Channel: https://str.sg/w7Qt

Apple Podcasts: https://str.sg/wukb

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Navigating Singapore’s evolving health insurance landscape.

Synopsis: Every first Wednesday of the month, The Straits Times helps you make sense of health matters that affect you.

The rules for Integrated Shield Plan (IP) riders changed on Apr 1, 2026. New mandates from the Ministry of Health mean that riders that offer nearly full coverage can no longer be sold. They have been replaced by plans that require higher out-of-pocket costs in exchange for lower premiums. These new riders promote greater accountability in controlling escalating healthcare expenses.

If you have an existing IP rider, you might wonder if you should "grandfather" your current plan, switch to a new one to save on premiums, or perhaps do without one?

If you are just starting your healthcare journey, you need to understand why MOH is removing deductible coverage and doubling the co-payment cap from $3,000 to $6,000.

In this episode, host Joyce Teo engages with a private sector surgeon and a health economist to discuss the new landscape of health insurance, how to think about your future healthcare needs, and the crucial role of personal responsibility.

The guests are Dr. Tan Yia Swam, a breast surgeon and former president of the Singapore Medical Association, and Dr. Akshar Saxena, an Assistant Professor of Economics at Nanyang Technological University.

In the podcast, Dr Tan also addresses a common misconception that private sector doctors frequently overcharge.

Highlights (click/tap above):

8:05 Knowing the difference between an elective surgery and an emergency one.

10:40 Addressing the public perception that some doctors overcharge patients…

15:20 On the importance of personal responsibility…

23:07 Dr Akshar on the impact of the Apr 1 changes on legacy riders

24:18 Dr Tan’s perspective on preparing for her future medical needs.

Read Joyce Teo's stories: https://str.sg/JbxN

Host: Joyce Teo (joyceteo@sph.com.sg)

Produced and edited by: Amirul Karim

Executive producers: Ernest Luis and Lynda Hong

Follow Health Check Podcast here and get notified for new episode drops:

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The Iran war is an unprecedented crisis but South-east Asia is better placed to handle it.

Synopsis: Every second Friday of the month, The Straits Times’ senior columnist Ravi Velloor distils 45 years of experience covering the Asian continent, with expert guests.

The US-Israeli assault on Iran, which led to the effective closure of the Straits of Hormuz, has seized up many Asian economies which are seeing rising fuel prices, soaring airline ticket costs and leaving restaurants short of cooking fuel.

But South-east Asia, with memories of the Asian Financial Crisis of the late 1990s still fresh in memory is better placed macro-economically to tackle the crisis - evidenced in investors’ confidence in stocks such as DBS, SIA and OCBC.

In this wide-ranging episode, host Ravi Velloor speaks with Thilan Wickramasinghe, head of research at Maybank Securities and an expert on the interplay of geopolitics, macro-economics and the stock market. They unpack the full dimensions of the crisis before discussing how Asia is likely to fare when it ends, as it must some day.

Mr Wickramasinghe offers some advice: It has paid off for investors to be long on stocks, he says, and there is a case to keep some gold in your portfolio, as well as energy stocks.

Highlights (click/tap above)

1:38 A Michelle Yeoh, Di Caprio-style crisis

8:16 South-east Asia is better placed than other regions

14:09 DBS, SIA - why some stocks do better than the rest

15:33 Opportunities for investors in this crisis

17:59 Post-War realities to watch for

21:10 Equities will never go out of fashion

Read Ravi's columns: https://str.sg/3xRP

Follow Ravi on X: https://twitter.com/RaviVelloor

Sign up for ST’s weekly Asian Insider newsletter: https://str.sg/sfpz

Host: Ravi Velloor (velloor@sph.com.sg)

Produced and edited by: Fa’izah Sani

Executive producer: Ernest Luis

Follow Asian Insider Podcast on Fridays here:

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After US President Donald Trump walked back his threats to wipe Iran off the map, there’s now a two-week ceasefire in place.

Hours before this kicked in, the Singapore Government announced in Parliament on April 7 support measures to help cushion the cost increases resulting from the Middle East conflict.

These include disbursing $500 in CDC vouchers half a year early and a $200 increase in the Cost-of-Living Special Payment.

Six weeks into this war, the question now is: Will things get better from here, or are we just having a moment of respite before the knock-on effects continue to worsen?

In this podcast episode, I chat with economists Danny Quah, Li Ka Shing Professor in Economics at the Lee Kuan Yew School of Public Policy, and Sheana Yue, a senior economist at global economic advisory firm Oxford Economics, about what else we should brace ourselves for.

Highlights (click/tap above):

4:12 Iran war uncertainty’s impact on Singapore

10:53 Singapore’s 1973 oil crisis lessons

17:21 Better placed to handle this war?

20:12 “We have a bit of breathing space.”

23:30 Do we need more handouts?

29:21 Is Singapore headed for a recession?

32:01 Stagflation a worry for all countries

35:55 Should we throw out the old diplomacy rulebook?

43:39 The worst-case Iran war scenario

Host: Natasha Ann Zachariah (natashaz@sph.com.sg)

Read Natasha’s articles: https://str.sg/iSXm

Follow The Usual Place podcast on IG: https://str.sg/8KNT

Follow Natasha on LinkedIn: https://str.sg/v6DN

Filmed by: Studio+65

Edited by: Eden Soh, Amirul Karim & Natasha Liew

Executive producer: Danson Cheong

Editorial producer: Elizabeth Law

Follow The Usual Place Podcast and get notified for new episode drops every Thursday:

Channel: https://str.sg/5nfm

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If Singapore has fuel reserves, why are electricity tariffs surging?

Synopsis: On Wednesdays, The Straits Times takes a hard look at Singapore's social issues of the day with newsmakers.

From April to June 2026, electricity and household tariffs will be higher. And we’ve been warned to brace for even higher utility bills after this quarter, as the ongoing war in the Middle East squeezes global fuel supplies.

But this always leads to a very common question from Singaporeans. To counter these exact types of supply shocks, does Singapore actually have enough national fuel reserves to last for months? So if we have our own stockpiles, why do we still have to pay more?

In this episode, assistant podcast editor Lynda Hong unpacks the impact of the war on inflation with Dr David Broadstock, partner at energy consultancy The Lantau Group. He explains the stockpile paradox when global conflicts hit the cost of living at home.

Apart from cost of living issues related to the rise in energy prices, the episode also discusses whether it’s more cost-effective to buy an Electric Vehicle (EV) and the challenges to transition to decarbonised energy like nuclear and renewables.

Highlights (click/tap above):

4:54 Survival vs. hedging: The two types of fuel reserves Singapore uses

14:10 Will Open Electricity Market (OEM) retailers collapse again?

20:35 When will energy inflation hit food and transport?

25:52 Why the war, even if short-lived, would have long-term impact on high prices

27:58 EV vs. petrol: Does switching to an electric vehicle actually save you money right now?

30:59 Is nuclear energy the ultimate solution to Singapore's price shocks?

Read ST’s Opinion section: https://str.sg/w7sH

Follow Lynda Hong on LinkedIn: https://str.sg/Gm2v

Host: Lynda Hong (lyndahong@sph.com.sg)

Produced and edited by: Hadyu Rahim

Executive producers: Ernest Luis & Lynda Hong

Follow In Your Opinion Podcast here and get notified for new episode drops:

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Improving people’s ability to withstand hotter weather is one part of Singapore’s adaptation plan.

Synopsis: Every first and third Tuesday of the month, The Straits Times provides you with a South-east Asian perspective to global environmental challenges.

As Singapore’s hottest month of the year, May, approaches and global energy volatility drives up Singapore's electricity tariffs, how can Singapore beat the heat in 2026? In this episode of Green Pulse, hosts Audrey Tan and David Fogarty explore Singapore’s upcoming National Adaptation Plan and its focus on heat resilience.

Beyond national cooling strategies, they also share practical ways to lower your energy bills and stay cool without aircon. From individual cooling hacks to the latest on climate adaptation, discover how individuals can thrive in a hotter city-state.

Highlights of conversation (click/tap above):

1:50 What is climate adaptation?

3:58 To cope with rising heat, we need tailored solutions for different groups of people.

8:30 El Nino is looming. It’s time to prepare for sizzling temperatures.

10:30 Apart from heat, what are the other climate impacts facing Singapore?

16:02 Are adaptation investments bankable? Are they wise bets for business?

21:03 Better climate risk assessments and new financial tools are needed, too.

23:25 Top tips for keeping cool as the mercury, and energy costs, rise.

Green Pulse LinkedIn newsletter: https://str.sg/green-pulse-nl

Follow Audrey Tan on LinkedIn: https://str.sg/848W

Read her articles: https://str.sg/JLM2

Follow David Fogarty on LinkedIn: https://str.sg/jcvy

Read his articles: https://str.sg/JLMu

Hosts: Audrey Tan (audreyt@sph.com.sg) & David Fogarty (dfogarty@sph.com.sg)

Produced and edited by: Hadyu Rahim

Executive producers: Ernest Luis & Lynda Hong

Follow Green Pulse Podcast here and get notified for new episode drops:

Channel: https://str.sg/JWaf

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Is silver a safe haven for investors like gold and will its price rise due to war?

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.

Silver has had some exciting days, especially when the price of silver skyrocketed in 2025. However, there has been a pullback in early 2026.

So how does silver compare to gold and is it worth investing in for the long run?

In this episode, ST business correspondent Sue-Ann Tan looks at silver as a long-term investment and if it works for you.

Her guests are CMC Markets expert Daphne Tan and ST business reporter Timothy Goh.

Highlights (click/tap above):

1:36 Is silver a safe haven like gold?

4:00 Will the Iran war drive silver prices up?

7:39 Tim’s experience of buying silver

10:30 Tech trends that could boost silver

12:00 Physical silver vs paper silver

19:24 How does silver compare to stocks as an investment?

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan (suetan@sph.com.sg)

Produced & edited by: Amirul Karim

Executive producers: Ernest Luis, Lynda Hong & Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: podcast@sph.com.sg

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

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Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

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Discover how bhajan clubbing is transforming devotional music in India.

Synopsis: Every first Friday of the month, The Straits Times catches up with its foreign correspondents about life and trends in the countries they're based in.

In this episode, host Li Xueying discusses with Debarshi Dasgupta the recent surge in bhajan clubbing - the fusion of devotional Hindu music with contemporary styles like EDM and rock.

This cultural phenomenon, exemplified by recent concerts in Delhi and other cities, explores how young Indians are finding a modern form of spiritual engagement, stress relief, and social belonging.

It has received government endorsement from Prime Minister Modi and the BJP as part of a Hindu religious revival, which includes state funding for concerts and events.

This cultural shift also addresses social acceptance and generational changes in religious practices.

Highlights (click/tap above):

1:18 How bhajan clubbing draws different age groups and its impact on faith practices

3:41 Influence of political figures like Modi endorsing this musical trend

6:35 The correlation between stress relief, youth identity, and spiritual needs

11:13 BJP’s promotion of Hinduism and religious revival through government policies

13:22 Political and economic motives behind government support for Hindu cultural activities

16:17 Future prospects of bhajan clubbing and its evolution into all-night raves

Read Debarshi Dasgupta’s article here: https://str.sg/qFYv

Read Li Xueying’s articles: https://str.sg/iqmR

Follow Li Xueying on LinkedIn: https://str.sg/ip4x

Sign up for ST’s weekly Asian Insider newsletter: https://str.sg/sfpz

Host: Li Xueying (xueying@sph.com.sg)

Edited by: Fa’izah Sani

Executive producer: Ernest Luis

Follow Asian Insider on Fridays here:

Channel: https://str.sg/JWa7

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