Year-End Tax Saving & Investment: Is Your SRS Money Working for You?
The year is almost over—are you still letting your SRS funds just “sit there”? 😴 Actually, now is the perfect window to save on taxes with SRS contributions and optimize your investment allocation!
Why SRS is So Attractive
The Supplementary Retirement Scheme (SRS) is a voluntary retirement savings plan that helps you prepare for retirement and directly reduces your taxable income.
Singapore citizens/PRs can contribute up to SGD 15,300 per year, while foreign tax residents can contribute up to SGD 35,700 per year. Marginal tax rate at 15%? Full contribution could save you thousands in taxes 💰.
Earnings within your SRS—interest, dividends, capital gains—are completely tax-free until withdrawal, making long-term compounding highly effective.
Cash Boost Account: Make Your SRS Money Work
By linking your SRS account to a Cash Boost Account, you can put idle funds to work and flexibly choose from a variety of investment options:
Stocks: Invest in SGX-listed stocks, such as DBS, UOB, OCBC, Singtel, and other high-quality blue chips.
ETFs: Track indices, sectors, or regions to diversify your portfolio easily.
You can use your CPF or SRS funds through the Cash Boost Account on the Tiger Trade App to invest in eligible stocks and ETFs listed on the Singapore Exchange.
💬 Discussion
Which SRS investment would you choose? Blue-chip stocks, high-yield REITs, or stable bonds?
CPF vs SRS: which retirement investment tool do you prefer, and why?
What’s your best year-end strategy for using SRS to save taxes?
Leave your comments to win at least 5 tiger coins!
December is a critical period for income tax saving through SRS contributions and an important window for optimizing wealth allocation.
Now, by linking your SRS to a Cash Boost account for investment, you can:
Put your idle SRS funds to work through eligible SGX securities
Make more flexible and diversified investment choices
Grow your retirement savings
What's more, we’ve prepared a limited-time reward for you:
Complete your first Cash Boost Account trade with a trade amount of ≥ SGD 1000* to get SGD 688 stock vouchers*!
Click here to join the event: https://sg.tigermarketw.com/activity2/market/2025/contra-invitation?lang=en_US&useAnimation=true
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
In January every year, besides SRS top-up, I also top up my CPF MA and VC3A; and my parents MA/RA for the following year income tax relief.
Then in Dec, after receiving my bonus, individual performance bonus and pay increment, I will sit down and work out how much donation I need to do as to bring down my following years income tax. For the past few years, I donated a month of my pay cheque to 3 of my favourite charities. [Love you][Heart][Love]. I specifically told the organisations not to list my name on their donation board. But singapore children's society always insisted on sending me a certificate. This year I was even invited for their appreciation dinner.
@Wayneqq @1PC @MHh @melson @Michane @rL
I also like how flexible the SRS investment options are, especially with the Cash Boost Account letting idle funds go into blue-chip stocks, REITs, ETFs, or even SSBs. It feels a lot more dynamic than just leaving money parked there earning almost nothing.
I didn’t invest through SRS this year, but after reading this, I might consider setting something up next year and take advantage of the tax benefits. Year-end incentives like the stock vouchers don’t hurt either. Thanks again for putting this together!
@Tiger_SG @Tiger_comments @TigerStars
I would use SRS more as not much interests, at least CPF has more interests [Grin] [Grin] [Grin]
I hv encourage everyone to at least open a srs account and top up $1 to lock in the srs retirement withdrawal age.
with srs amount, I invest in stocks giving dividend more than 4% with hopefully capital appreciation.
with dividend received, I invest in funds with $1 minimum for higher gains.
我自己最常考虑的组合是蓝筹股搭配REITs，前者稳健、现金流强，后者适合追求股息的人。再搭配一部分ETF或机器人顾问，让资金更分散，不需要自己每天盯盘。当然，如果你风险偏好较低，SSB、债券甚至定存也都是比“放着不动”更好的选择。
说到底，12月真的就是一个提醒——如果SRS额度还没用，或者资金还没利用 Cash Boost 做投资配置，现在就是最后冲刺的时间。年底做对这一步，明年的税单、十几年后的退休，你都会感谢现在的自己。
The STI ETF mirrors Singapore's heartbeat : our local banks, our SReits and our blue chip anchors. By investing my SRS dollars here, I am not just saving for retirement. I am also planting roots in the very economy I believe will carry me forward.
SRS gives me immediate relief through tax savings but the real rewards is decades away, compounding growth, resilience and the quiet confidence that my future self will thank me.
Retirement is a marathon, not a sprint. Every dollar invested in SRS is one more step toward that finish line.
@Tiger_SG @Tiger_comments @TigerStars @TigerClub @CaptainTiger
Check them in the history - “community distribution“
最佳选择取决于风险承受能力、投资期限和收入目标，长期增长的蓝筹股/ETF，稳定收益的高收益REITs，保本的稳定债券/T-Bills，尤其是临近退休...
中央公积金（CPF）提供有保证的回报和强制性供款，提款灵活性较低，使其成为稳定储蓄的理想选择，而SRS提供税收减免和投资灵活性，但对规定退休年龄之前的提款征税，提供更多控制和节税机会
与财务目标、风险偏好和环境保持一致需要积极管理SRS投资和深思熟虑的年终缴款，以优化节税和退休增长
标签：
@Huat99
@Snowwhite
CPF vs SRS: SRS is more flexible for holding public equities
Best year end strategy for SRS: best strategy for minimising tax is to reduce turnover in the portfolio
(2) CPF vs SRS: which retirement investment tool do you prefer, and why?: Unfortunately, there is no such choice to me.
(3) What’s your best year-end strategy for using SRS to save taxes?: The best in my opinion is not to keep it pending till the year end but to spread it uniformly every month. The year end bulk investment is only the next best - here one good way is to park it in SSBs or other safe fund and then use it to fund equity later on dips.
我现在更喜欢CPF，因为SRS中的复利意味着最终我仍然需要在以后纳税，因为我将积累一笔比免税提款金额更大的金额，而且以我目前的工资，节税还不是很大。有了CPF，我可以提取而不用担心纳税，特别账户的利息可以被认为是一个很好的股息率，尽管代价是流动性，这类似于SRS。CPF的主要限制是我可以充值的金额少于SRS，这限制了我充分利用它来节税的能力。
在我目前的年龄，我更愿意推迟SRS，以避免在提取SRS时支付大笔税款。我想我只有在40多岁的时候才会考虑。
股票：投資新交所上市股票，如星展銀行、大華銀行、華僑銀行、新加坡電信等優質藍籌股。
ETF：跟蹤指數、行業或地區，輕鬆實現投資組合多元化。
新加坡公民/PRs最多可贡献每年SGD 15,300，而外国税务居民最多可供款每年SGD 35,700.边际税率为15%？全额供款可以为您节省数千美元的税款💰.
您的SRS中的收入（利息、股息、资本收益）是提款前完全免税，使得长期复利非常有效。