To The Moon

For me, the roughly S$1,900 annual tax saving alone would not justify locking S$15,300 into SRS. The bigger question is how that money is used afterwards. If it simply sits in cash earning very little, I would rather retain the liquidity. But if the SRS funds are invested in diversified ETFs for 10–20+ years, the combination of tax savings and long-term compounding becomes much more attractive. I see SRS as a tax-advantaged investment account rather than just a way to reduce this year’s tax bill. Liquidity still matters, especially for housing, emergencies and other major expenses. So I would prioritise building sufficient liquid savings first, then use SRS for long-term investing. The tax saving is a bonus; compounding is the bigger reason. 📈

If I had $100,000 in SRS with a 10+ year horizon, I wouldn’t want it sitting entirely in cash. I’d be more comfortable with a diversified mix, using broad ETFs as the core and adding some individual stocks or REITs for different sources of growth and income. With that kind of timeframe, I’d be more focused on compounding and diversification than trying to time the market. The key for me would be making sure the risk level matches the long-term goal rather than chasing the highest possible return.

My SRS is for my retirement. So, I would have a mix of stocks and REITs- stocks for the growth to turbo-charge my portfolio and REITs is for dividends that would pay off continuously. I see $1930 yearly tax savings as a returns of 12% immediately from the $15,300 ‘investment’ into SRS. This returns will add on to the returns from the investments that I make using my SRS and I can also compound this $1900 tax savings immediately by buying stocks and REITs. Definitely worth it! I think most people underestimate our CPF because it is auto credited and so most of us don’t give much thought to it. It gives us auto 2.5-6% returns and also with CPF life when we retire and it continues to pay out as annuity as we age. Before retirement, it is still our money and we have the flexibility to inve

I think SRS is useful not only for tax savings but also for long-term retirement planning. I would not automatically max it out, though, because cash flow and the lock-up period matter. If I had $100,000 in SRS for 10+ years, I would prefer a diversified mix of ETFs, REITs and selected stocks rather than leaving everything at 0.05%. Of course, higher returns come with higher risk. I would rather let the money work over time than allow inflation to quietly reduce its purchasing power. For me, the key is to check my existing tax reliefs first, then contribute an amount I can comfortably lock away. SRS should complement CPF Life, not replace it. Ultimately, consistency and choosing investments that match my own risk tolerance matter more than simply chasing the highest return.

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.

Another view: I would look at SRS as a long-term investing account, not just a tax-saving tool. The tax relief is attractive, but the real benefit comes from investing the money for many years. The biggest question is liquidity. If you may need the money before retirement, contributing too much could become uncomfortable. For a 10–20 year horizon, diversification may be more important than chasing the highest dividend. Keeping everything in SRS cash protects capital but may reduce long-term growth potential. Higher returns always come with higher risk, so the investment should match your risk tolerance. Bottom line: The key question is not “How much tax can I save?” but “Can I comfortably lock up this money and invest it for the long term?” If yes, SRS can become a powerful retirem

My simple view: SRS is useful, but I would not treat it as “free money.” Tax relief is the main benefit. The higher your marginal tax rate, the more valuable the relief can be. The biggest cost is flexibility. SRS money is meant for retirement, so I would only contribute money I do not need for emergencies. Leaving SRS cash at 0.05% for many years has a big opportunity cost. For 10+ years, a diversified mix of ETFs, stocks, bonds and REITs may make more sense than putting everything into one asset. REITs and dividend stocks can provide income, but they still carry market, interest-rate and business risks. Bottom line: I see SRS as a tax-saving + retirement-investing tool, not simply a tax-saving account. First calculate your tax savings, then decide how much you can comfortably loc

For me, the most interesting part of SRS is that it can turn today’s tax savings into tomorrow’s retirement capital. 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. T

Speaker: @Kenny_Loh (Wealth Advisory Director, S-REIT Specialist & SGX Academy Trainer)Live Date: September 29, 2026 (Review Live >>) In this livestream, Kenny Loh walked viewers through how to use the Supplementary Retirement Scheme (SRS) to cut their tax bill. He covered how the relief works and how to read your Notice of Assessment. He also explained why leaving SRS cash at 0.05% quietly costs you, where SRS money can actually be invested, and how SRS fits into a layered retirement income plan. Want a deeper dive? We broke this session down into 4 full recap articles, each covering a different piece of the SRS puzzle> Live Recap 1: SRS

Find out more here:Help Center - Tiger Brokers cash out

can cheques out please

I want to see how you trade with CPF/SRS.. THANKS 

$Tiger Brokers(TIGR)$ let's do it 

Don’t do it

🎉🎉Congrats to Weekly Top 5 Most Active & Promising CBA Traders!💰💰Hey SG Tigers!🐯Another week has gone by, and we are happy to see many amazing tradings from you!🎉🎉🎉Here we present the top 5 most active/promising Cash Boost Account (CBA) traders for the week of August 25th-August 29th!🎉🎉We'd like to congratulate @Crown Wave 168 , @Mackay @ASITOH @jasonjh @一股封神 @Dannnn @arr1 Welcome to contact our operator at

【SRT】 As of 29 Aug 2025 (Fri), SRT rose slightly +2.42% WTD in SGD and +10.22% YTD in SGD. WTD gains were led by industrial, office and retail by subsector and Suntec REIT, MLT and FCT by individual REIT. Morgan Stanley forecasts S-REITs to be driven by attractive spreads and sustained equity fund raising and DPU growth. Phillip Securities maintains S-REITs overweight, prioritizing those with robust sponsors, healthy financials, operational strength, high-yield, and resilient fundamentals. $CSOP iEdge SREIT ETF S$(SRT.SI)$ 2025 YTD Total Return: +10.22% 【MMF】 US Treasuries rallied across the curve during the week with more tightening at the short-end and belly after healthy 2Y, 5Y and 7Y auction demand and after Trump's attempt to fire Lisa Cook

Yes, I can use my SRS to buy S27( S&P 500 counter in SGX). Long term CAGR is still around 10-12% per year. I also received dividends quarterly as I wait to see capital gains to increase. CPF I used to buy US equity ( therefore not from SGX) during market corrections. While waiting for for opportunity to buy, 8 collect interest from government 😀 

$Tiger Brokers(TIGR)$ Why drop?!?! 

My acc not in SG based, jadinya gada cash boost acc deh

$Tiger Brokers(TIGR)$ almost always a yes!

Speaker: @Kenny_Loh (Wealth Advisory Director, S-REIT Specialist & SGX Academy Trainer)Live Date: September 29, 2026 (Review Live >>) In this livestream, Kenny Loh walked viewers through how to use the Supplementary Retirement Scheme (SRS) to cut their tax bill. He covered how the relief works and how to read your Notice of Assessment. He also explained why leaving SRS cash at 0.05% quietly costs you, where SRS money can actually be invested, and how SRS fits into a layered retirement income plan. Want a deeper dive? We broke this session down into 4 full recap articles, each covering a different piece of the SRS puzzle> Live Recap 1: SRS

For me, the roughly S$1,900 annual tax saving alone would not justify locking S$15,300 into SRS. The bigger question is how that money is used afterwards. If it simply sits in cash earning very little, I would rather retain the liquidity. But if the SRS funds are invested in diversified ETFs for 10–20+ years, the combination of tax savings and long-term compounding becomes much more attractive. I see SRS as a tax-advantaged investment account rather than just a way to reduce this year’s tax bill. Liquidity still matters, especially for housing, emergencies and other major expenses. So I would prioritise building sufficient liquid savings first, then use SRS for long-term investing. The tax saving is a bonus; compounding is the bigger reason. 📈

If I had $100,000 in SRS with a 10+ year horizon, I wouldn’t want it sitting entirely in cash. I’d be more comfortable with a diversified mix, using broad ETFs as the core and adding some individual stocks or REITs for different sources of growth and income. With that kind of timeframe, I’d be more focused on compounding and diversification than trying to time the market. The key for me would be making sure the risk level matches the long-term goal rather than chasing the highest possible return.

My SRS is for my retirement. So, I would have a mix of stocks and REITs- stocks for the growth to turbo-charge my portfolio and REITs is for dividends that would pay off continuously. I see $1930 yearly tax savings as a returns of 12% immediately from the $15,300 ‘investment’ into SRS. This returns will add on to the returns from the investments that I make using my SRS and I can also compound this $1900 tax savings immediately by buying stocks and REITs. Definitely worth it! I think most people underestimate our CPF because it is auto credited and so most of us don’t give much thought to it. It gives us auto 2.5-6% returns and also with CPF life when we retire and it continues to pay out as annuity as we age. Before retirement, it is still our money and we have the flexibility to inve

I think SRS is useful not only for tax savings but also for long-term retirement planning. I would not automatically max it out, though, because cash flow and the lock-up period matter. If I had $100,000 in SRS for 10+ years, I would prefer a diversified mix of ETFs, REITs and selected stocks rather than leaving everything at 0.05%. Of course, higher returns come with higher risk. I would rather let the money work over time than allow inflation to quietly reduce its purchasing power. For me, the key is to check my existing tax reliefs first, then contribute an amount I can comfortably lock away. SRS should complement CPF Life, not replace it. Ultimately, consistency and choosing investments that match my own risk tolerance matter more than simply chasing the highest return.

For me, the most interesting part of SRS is that it can turn today’s tax savings into tomorrow’s retirement capital. 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. T

Another view: I would look at SRS as a long-term investing account, not just a tax-saving tool. The tax relief is attractive, but the real benefit comes from investing the money for many years. The biggest question is liquidity. If you may need the money before retirement, contributing too much could become uncomfortable. For a 10–20 year horizon, diversification may be more important than chasing the highest dividend. Keeping everything in SRS cash protects capital but may reduce long-term growth potential. Higher returns always come with higher risk, so the investment should match your risk tolerance. Bottom line: The key question is not “How much tax can I save?” but “Can I comfortably lock up this money and invest it for the long term?” If yes, SRS can become a powerful retirem

My simple view: SRS is useful, but I would not treat it as “free money.” Tax relief is the main benefit. The higher your marginal tax rate, the more valuable the relief can be. The biggest cost is flexibility. SRS money is meant for retirement, so I would only contribute money I do not need for emergencies. Leaving SRS cash at 0.05% for many years has a big opportunity cost. For 10+ years, a diversified mix of ETFs, stocks, bonds and REITs may make more sense than putting everything into one asset. REITs and dividend stocks can provide income, but they still carry market, interest-rate and business risks. Bottom line: I see SRS as a tax-saving + retirement-investing tool, not simply a tax-saving account. First calculate your tax savings, then decide how much you can comfortably loc

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.

Find out more here:Help Center - Tiger Brokers cash out

can cheques out please

I want to see how you trade with CPF/SRS.. THANKS