Power your retirement savings with the SRS collection

The SRS (Supplementary Retirement Scheme) offers individuals a means to begin growing their retirement fund supplementary to one’s CPF nest egg, as its name suggests. 

SRS typically involves decades of investing before retirement withdrawal. To achieve long-term investing success, it is essential to grasp the keys to success: diversification, strategic asset allocation over the long run, and keeping costs low.

To help you make your SRS work harder by investing your savings, Endowus Investment Office has carefully curated a list of five funds, eligible for the SRS scheme. 

Make your SRS work harder

For starters, even retirees may need some equity allocation to beat inflation, depending on one’s risk appetite. Out of the five funds, four are equity funds, reflecting our belief that SRS investments are typically long-term in nature and therefore more suitable for taking on equity risk. Due to the nature of equity investing, the inherent risk is high (with a risk rating of 5 and above.)

‍Find out how Endowus quantifies a fund’s risk rating.

Plus, four of the funds have global exposure to stocks or bonds, allowing for diversification across different geographies. The remaining fund focuses on Asian equities, providing an opportunity for investors to tap into the potential growth of the Asian market. 

Lastly, cost. Costs play an important role in your long-term returns, but are most often overlooked by investors. Endowus clients get back 100% of these trailer fees as cashback. We are committed to staying independent and completely focused on building the best portfolios for you, rather than selling you products that pay us the highest fees.

These funds have been curated with strong conviction by our Investment Office, ensuring that they align with your long-term investing goals and offer significant merits on their own. In choosing the fund(s) to invest in, one should consider one’s investment objective, time horizon, and risk appetite. Read further to find out about the rationale for each fund.

Amundi Index MSCI World Fund

The Fund seeks to track the performance of the MSCI World Index, and to minimise the tracking error between the net asset value of the sub-fund and the performance of the Index. The Fund has shown that it is able to track the Index accurately and efficiently since the Fund’s inception.

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BlackRock BGF Global Unconstrained Equity Fund

The BlackRock fund invests in companies globally with viable competitive advantages, that have the potential to produce attractive long-term capital growth. The key gauges for competitive advantage include established market positions, structural tailwinds, high returns, and strong management teams, with a long-term mindset.

The portfolio is expected to be concentrated, which means it is expected to hold relatively few stocks in comparison to other funds. That means investors should be aware that the Fund could experience volatile performance over the short term amid significant factor rotation, and also when the market is not being driven by company fundamentals but rather by sentiment.

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Capital Group New Perspective Fund

Running since 1973, the long-standing global equity fund has a unique investment process. The Fund’s total portfolio assets are split into ten portfolios, nine managed by different portfolio managers with various styles and one managed by the investment analysts, called the Research Portfolio. 

Investors seeking exposure to high-quality global growth companies can consider allocating a core portion of their portfolio to the Fund. However, the Fund's bias towards growth and quality styles may lead to increased volatility and potential underperformance in value-oriented markets.

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PIMCO GIS Income Fund

The multi-sector income fund adopts a flexible allocation approach, suitable for more conservative investors who find equity risk too high. 

It provides exposure to high-yielding and high-quality assets for consistent and diversified returns. The Fund dynamically adjusts exposure across global fixed income sectors based on macroeconomic views and tactically manages duration risk.

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Stewart Investors Asia Pacific Sustainability Fund

Stewart Investors is a quality-focused, bottom-up manager skilled in identifying companies that are positioned to deliver long-term returns. And, the Asia Pacific-ex Japan equity fund has a strong track record since 2005, offering attractive returns and solid downside protection. 

With a quality-driven and all-market cap portfolio, it has historically shown a notable bias towards Indian equities. This results in a differentiated portfolio with higher tracking errors. The Fund also has a robust ESG investing process. 

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Customise your portfolio in minutes with Endowus Fund Smart

Want to explore other SRS funds? Refer to our investment funds list here in a single glance. Customise your ideal investment portfolio in minutes with Fund Smart. The Endowus Fee for Single Fund Goals via Fund Smart at 0.3% p.a., reinforcing our commitment to reduce the cost of investing.

‍Still not sold on single funds? One-stop investment solutions are at your fingertips, for your long-term wealth, income needs, cash, and more. Multiple advised portfolios are available on Endowus for SRS monies for different risk appetites.

Find out everything you need to know in our FAQs. 

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*Annualised returns are calculated based on the returns of the target share class, and the oldest share class of the fund where the target share class is younger than three years. Three-year returns are based on the period from November 2021 to October 2024 unless otherwise stated. Returns are translated into SGD (except for non-SGD funds) and are net of fund-level fees.