The real opportunity is not simply contributing to SRS, but giving that money enough time to compound. With a 10–20 year horizon, even a relatively modest annual return can make a meaningful difference when returns are reinvested consistently.
If I had $100,000 in SRS, I would favour a diversified portfolio built around broad-market ETFs, quality dividend stocks and REITs. This combination could provide both long-term capital growth and potential retirement income.
What I like most about the SRS concept is the three-stage effect: reduce taxable income today, allow investments to compound over time, and eventually use the accumulated assets to support retirement cash flow.
To me, SRS is therefore more than a tax-saving scheme—it is a structured way to make today’s income work for tomorrow’s financial freedom.
@TigerClub [龇牙]
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