Webinar: Score more than tax savings with your SRS

Updated

Mar 2025

published

Oct 2024

Events and webinars

SRS

Register for the webinar

Join us in the upcoming live webinar as we unpack investment strategies for SRS.

Thank you for your interest in this session. We have received your registration and look forward to having you join us on 14 Nov (Thu).

This event is only for Accredited Investors (AI) in Singapore. Please verify that you are an AI.

Register for the webinar

Join us in the upcoming live webinar as we unpack investment strategies for SRS.

Thank you for your interest in this session. We have received your registration and look forward to having you join us on 14 Nov (Thu).

This event is only for Accredited Investors (AI) in Singapore. Please verify that you are an AI.

Register for the webinar

Join us in the upcoming live webinar as we unpack investment strategies for SRS.

Thank you for your interest in this session. We have received your registration and look forward to having you join us on 14 Nov (Thu).

This event is only for Accredited Investors (AI) in Singapore. Please verify that you are an AI.

Register for the event

Endowus invites you to our exclusive event with Macquarie Asset Management, as we discuss unlocking opportunities in Infrastructure- a $1.3tn asset class.
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This event is reserved for Accredited Investors (AIs) only. To register for the event, please indicate one of the following:

I am currently recognised as an Accredited Investor by a Financial InstitutionI am not currently recognised but meet the Accredited Investor criteria

*Kindly upload documentation from your Financial Institution confirming your AI status.
‍This may be in the form of a letter, email, or official correspondence. It should include your full name and be dated within the past 12 months.

*Kindly upload supporting documents (dated within the last 3 months) that demonstrate either:
- Net financial assetsexceeding S$1 million (or its equivalent in a foreign currency)¹; OR
- Income in the preceding 12 months of at least S$300,000 (or its equivalent in a foreign currency)

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^*Any documents provided will be used exclusively to verify your eligibility for this event as an Accredited Investor. All information will be treated with the utmost confidentiality and will not be used for any other purpose.

¹Financial assets (net of any related liabilities) means:
(i) a deposit as defined in section 4B of the Banking Act (Cap. 19);
(ii) an investment product as defined in section 2(1) of the Financial Advisers Act (Cap. 110); or
(iii) any other asset prescribed as a “financial asset” for purposes of establishing AI status by MAS.

Thank you for your submission!

This event is only for Accredited Investors (AI) in Singapore. Please verify that you are an AI

Watch the replay

Chapters:

05:14 – Introduction to SRS

07:01 – How to minimise your payable tax with SRS

09:20 – Worked example of how SRS tax relief works

11:12 – Planning your finances across life stages

13:19 – How a retiree may finance their retirement lifestyle

15:31 – Why you should invest your SRS monies

19:10 – What are your SRS investment options?

24:32 – How are Endowus clients investing their SRS?

31:45 – SRS investing options on Endowus

34:37 – How can you strategise your SRS investments?

41:59 – Q&A: How does Endowus compare against other roboadvisors?

43:55 – Q&A: Should you top up your CPF or SRS first?

45:42 – Q&A: At what income tax bracket should you contribute to SRS?

47:54 – Q&A: At age 65, how should you invest your SRS?

49:12 – Q&A: Should you invest your SRS in dividend stocks or income funds?

‍About the session

The Supplementary Retirement Scheme (SRS) has been increasingly adopted by Singaporeans and foreigners for tax relief and retirement planning. As of end-2023, the number of SRS account holders is at its highest at over 420,000.

Insurance, shares, REITs and ETFs make up some of the highest compositions of SRS investment portfolios, but are they really the best fit for your risk tolerance and financial goals?

Join Shengshi Chiam, Personal Finance Lead, and Lean Sing Ding, Senior Client Advisor at Endowus, as they discuss how investors can weigh their SRS investments, and optimise them through a holistic wealth planning approach.

Topics covered:

How to plan your SRS portfolio as part of your overall investment strategy
What other investors are doing with their SRS funds
What your SRS investment options are, and how to determine what is best for you

About the speakers

Sheng Shi Chiam

Personal Finance Lead, Endowus‍

Sheng Shi is a personal finance enthusiast who believes that anyone should be able to manage their savings with confidence. He was in charge of Endowus financial blog and YouTube channel previously. Currently, he manages all grassroots and policy engagements.

He is a CFA Charterholder and previously covered China Private Equity Funds in CapitaLand.

He graduated with a B.B.A (Hons) in a double specialisation in Finance and Supply Chain Management from the National University of Singapore and is a CFA Charterholder.

Lean Sing Ding

Senior Client Advisor, Endowus‍

Lean Sing is a senior client advisor at Endowus and has close to a decade worth of experience working in the banking and in FinTech industries.

In his role, Lean Sing provides investment advisory services to both individual and institutional clients, ensuring that clients of all stripes find the right financial solutions to their investment goals.

Lean Sing is passionate about “doing right by clients” - and with Endowus - he hopes to elevate financial literacy, transparency and integrity in the wealth management industry.

He holds degrees from University of Melbourne as well as Regent College.

Disclaimers

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Investment involves risk. Past performance is not necessarily a guide to future performance or returns. The value of investments and the income from them can go down as well as up, and you may not get the full amount you invested. Rates of exchange may cause the value of investments to go up or down. Individual stock performance does not represent the return of a fund.

Any forward-looking statements, prediction, projection or forecast on the economy, stock market, bond market or economic trends of the markets contained in this material are subject to market influences and contingent upon matters outside the control of Endowus Singapore Pte. Ltd. (“Endowus”) and therefore may not be realised in the future. Further, any opinion or estimate is made on a general basis and subject to change without notice. In presenting the information above, none of Endowus, its affiliates, directors, employees, representatives or agents have given any consideration to, nor have made any investigation of the objective, financial situation or particular need of any user, reader, any specific person or group of persons. Therefore, no representation is made as to the completeness and adequacy of the information to make an informed decision. You should carefully consider (i) whether any investment views and products/ services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate.

Investment into collective investment schemes: Please refer to respective funds’ prospectuses for details of the funds, their related fees, charges and risk factors. The listing of units of the fund on a stock exchange does not guarantee a liquid market for the units. Before making an investment decision, you are reminded to refer to the relevant prospectus for specific risk considerations.

For Cash Smart Secure, Cash Smart Enhanced, Cash Smart Ultra: It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Interest rates are indicative and subject to change at any time.

Product Risk Rating: Please note that any product risk rating (the “PRR”) provided by us is an internal rating assigned based on our product risk assessment model, and is for your reference only. The PRR is subject to change from time to time. The PRR does not take into account your individual circumstances, objectives or needs and should not be regarded as advice or recommendation to purchase, hold or sell any fund or make any other investment decisions. Accordingly, you should not solely rely on the PRR in making your investment decision in the relevant Fund.

This advertisement has not been reviewed by the Monetary Authority of Singapore.