To The Moon

Heard about SRS years ago but did not think much about it. Wary of the investment risks.

I have consistently put $15.3k to SRS yearly and invest in ETF

Which SRS investment: large cap public equity investments in US market 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

blue chip. cpf

Replying to @DiAngel:good job!! [Bless]//@DiAngel:I always top up $15.3k into my SRS in early January. Thereafter, I will invest in blue-chip stocks. Whenever I received my dividends, I will put on my thinking cap to invest in high risk UTs or into blue-chip stocks. My SRS fund only idles for a few days or a week. [Smile] 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 d

put into an ETF that tracks the SPX. after 20 years or so, you should get annual compound gains of 8 to 10%

(1) Which SRS investment would you choose? Blue-chip stocks, high-yield REITs, or stable bonds?: my go to avenue for the SRS investments have been (1) monthly investment into my ILP insurance plan (2) monthly into blue-chip stocks through the OCBC Bluechip Investment Plan. If there is any such opportunitythrough $Tiger Brokers(TIGR)$ it would be very good. Hoping there is something! (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

I'd like to start it this Dec

I had invested and joined the cash boost account. still trying the account. come join me... [Miser]

topping up cpf sa account earns no risk 4% interest. 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.

Thanks for sharing, I already invested in this SRS, this is really good investment options

nice

Srs is a good way to save your income tax as an additional relief. Trust Tiger brokers to be your one stop brokerage and investment solution. Link your cpf and srs with Tiger brokers today

Blue chip for me!

As I am still young, I definitely choose blue chip stocks and high yield REITs over bonds. Blue chip stocks mainly for growth and high yield REITs for the dividends and potentially some capital gain. I prefer CPF for now as the compounding in SRS means that eventually I still have to pay tax at a later time because I would amass a sum larger than the tax free withdrawal amount and with my current salary, the tax savings is not significant yet. With CPF, I can withdraw without worries about paying tax and the interest from the special account can be considered as a good dividend rate, though at the expense of liquidity which is similar to SRS. The main limitation with CPF is that the amount I can top up is lesser than SRS which limits my ability to fully maximise it for tax savings. At

yeah it is

I will prefer to top up my CPF SA account. Although the amount will be locked till my retirement but my money is 100% safe and guaranteed 4% interests. SRS might be good for tax rebate, but the interest is not enough for me to eat a good seafood meal... Although for SRS, the money can be used for investments, they are not 100% guaranteed with a " win -win situation.

I have chosen to invest in REITs ETF for SRS. I did not invest my CPF as I treats it like a bond proxy in my portfolio.

🌟🌟🌟Tax savings from SRS is money back in my pockets.  Instead of letting it sit idle, I channel it into $STI ETF(ES3.SI)$ because retirement savings isn't about chasing quick wins.  It is about a steady long-term source of passive income while waiting for capital growth. 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

blue chip

Replying to @DiAngel:good job!! [Bless]//@DiAngel:I always top up $15.3k into my SRS in early January. Thereafter, I will invest in blue-chip stocks. Whenever I received my dividends, I will put on my thinking cap to invest in high risk UTs or into blue-chip stocks. My SRS fund only idles for a few days or a week. [Smile] 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 d

(1) Which SRS investment would you choose? Blue-chip stocks, high-yield REITs, or stable bonds?: my go to avenue for the SRS investments have been (1) monthly investment into my ILP insurance plan (2) monthly into blue-chip stocks through the OCBC Bluechip Investment Plan. If there is any such opportunitythrough $Tiger Brokers(TIGR)$ it would be very good. Hoping there is something! (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

Heard about SRS years ago but did not think much about it. Wary of the investment risks.

I have consistently put $15.3k to SRS yearly and invest in ETF

Which SRS investment: large cap public equity investments in US market 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

put into an ETF that tracks the SPX. after 20 years or so, you should get annual compound gains of 8 to 10%

blue chip. cpf

topping up cpf sa account earns no risk 4% interest. 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.

As I am still young, I definitely choose blue chip stocks and high yield REITs over bonds. Blue chip stocks mainly for growth and high yield REITs for the dividends and potentially some capital gain. I prefer CPF for now as the compounding in SRS means that eventually I still have to pay tax at a later time because I would amass a sum larger than the tax free withdrawal amount and with my current salary, the tax savings is not significant yet. With CPF, I can withdraw without worries about paying tax and the interest from the special account can be considered as a good dividend rate, though at the expense of liquidity which is similar to SRS. The main limitation with CPF is that the amount I can top up is lesser than SRS which limits my ability to fully maximise it for tax savings. At

I had invested and joined the cash boost account. still trying the account. come join me... [Miser]

Thanks for sharing, I already invested in this SRS, this is really good investment options

I'd like to start it this Dec

nice

Srs is a good way to save your income tax as an additional relief. Trust Tiger brokers to be your one stop brokerage and investment solution. Link your cpf and srs with Tiger brokers today

Blue chip for me!

I will prefer to top up my CPF SA account. Although the amount will be locked till my retirement but my money is 100% safe and guaranteed 4% interests. SRS might be good for tax rebate, but the interest is not enough for me to eat a good seafood meal... Although for SRS, the money can be used for investments, they are not 100% guaranteed with a " win -win situation.

I have chosen to invest in REITs ETF for SRS. I did not invest my CPF as I treats it like a bond proxy in my portfolio.

yeah it is

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 AttractiveThe 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 WorkBy linking y

This week, $OCBC Bank(O39.SI)$ hit a new high, reaching SGD 18.8!Some Tigers said: “I’m counting on OCBC for my retirement. It’s up over 80% in the past 5 years—just holding it gives me peace of mind.” OCBC remains the cheapest among the Big Three banks, and its earnings continue to perform steadily.But… can a single stock really be enough for retirement?Bank-retirement camp: Holding bank stocks long-term = steady happiness.REIT camp: Relying on cash flow for retirement feels more secure.It’s really about that feeling of “getting paid every year”: CICT, MIT, FLCT, MLT.These can also be bought with CPF or through Endowus, making long-term holding even easier.CPF balances can be used to buy Singapore stocks.Endowus helps with tax savings and gives