Invest
SRS
A voluntary scheme that lowers your tax bill while you save for retirement.
6 instruments in this family.
SRS Account (the wrapper itself)
A voluntary, tax-deferral account where contributions cut your taxable income now and only half of withdrawals are taxed later.
Full breakdownUnit Trusts, ETFs and Robo Portfolios in SRS
Diversified funds and robo-advisor portfolios bought with SRS money so gains compound tax-free inside the wrapper.
Full breakdownSingapore-Listed Shares in SRS
Buy approved SGX-listed shares directly with SRS cash, holding them through an SRS-linked brokerage account.
Full breakdownSRS Fixed Deposits
Park SRS cash in a bank fixed deposit for a fixed term to earn more than the idle SRS rate with capital stability.
Full breakdownSingapore Government Securities in SRS (SSB, T-bills, SGS bonds)
Use SRS cash to hold safe SGD government debt such as Singapore Savings Bonds, T-bills and SGS bonds.
Full breakdownSingle-Premium Insurance in SRS
Use SRS savings to buy approved single-premium retirement or endowment-style insurance plans, often with an annuity payout later.
Full breakdownWant a detailed look at your own situation?
Everything here is education, not advice. When you want to see what you can actually do, a licensed adviser will map it to your income, CPF, and goals.