If I had $100k in SRS for 10+ years, I’d lean toward a diversified mix rather than leaving it all in cash. I’d use broad-market ETFs as the core, with some stocks/REITs for extra growth or income exposure, while keeping a smaller cash buffer. The tax saving is attractive, but over a long horizon I’d also focus on inflation, compounding and the opportunity cost of staying in cash. For me, the biggest thing people underestimate in retirement is flexibility — having a mix of growth assets, income and accessible savings can be just as important as maximising returns.