The Business Times
business-time-50
MONEY MATTERS

Making your SRS savings work harder

Before investing, consider your retirement timeline, risk tolerance and investment goals

Summarise
阅读简体中文版 (beta)
    • Most financial advisers recommend assuming an annual inflation rate of 2% to 2.5% to project cash flows. So, your SRS savings should work harder than that.
    • Most financial advisers recommend assuming an annual inflation rate of 2% to 2.5% to project cash flows. So, your SRS savings should work harder than that. PHOTO: BT FILE

    Lorna Tan

    Published Fri, Sep 4, 2026 · 03:00 PM

    AS I got closer to my target retirement age, I started moving some of my accumulated wealth into investment solutions that would generate passive income flows, and optimised my Central Provident Fund (CPF) monies via the various CPF schemes.

    Another income stream that I built is from opting in to the Supplementary Retirement Scheme (SRS).

    Introduced in 2001, SRS is a voluntary scheme to encourage individuals to save for retirement and get a tax relief at the same time. It is heartening to note that SRS continues to gain popularity.

    Supplementary Retirement SchemeInvestment portfolios

    TRENDING NOW

    Citi downgrades OCBC from “neutral” to “sell” in a banking note on Wednesday morning.

    S$8 billion wiped off OCBC value as shares slide 5.8% in heavy trade

    From shy teenager to outspoken philanthropist, Chloe Tong has come a long way.

    Grab CEO’s wife Chloe Tong on life with Anthony Tan and finding her purpose

    The dispute relates to Brookfield’s 2025 acquisition of three Singapore properties from Mapletree Industrial Trust for S$535.3 million.

    Brookfield denies accusation it cut Soilbuild out of Mapletree deal

    PSD’s review followed claims in a working paper that civil servants had disproportionately bought properties near planned but unannounced MRT stations.

    8 public officers referred to police over property buys near unannounced MRT stations: Chan Chun Sing

    Latest T-bills Treasury Bills Results & Interest NewsLatest SSB Singapore Savings Bonds NewsLatest COE Certificate of Entitlement News
    Latest Johor-Singapore SEZ NewsLatest BTO Build To Order & Sales of Balance NewsLatest STI Straits Times Index NewsLatest SGX Dividends, Share Price NewsLatest Bonds Market NewsLatest Singapore Stocks To Buy NewsLatest Singapore Economy News
    View More