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. 

Explore SRS-approved funds in Singapore

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.

Three of the funds have global exposure to stocks or bonds, allowing for diversification across different geographies. The remaining two funds focus on Asian and European equities, providing an opportunity for investors to tap into the potential long-term growth of the respective region. 

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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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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Schroder ISF Asian Opportunities Fund

The Schroder ISF Asian Opportunities Fund offers broad-based exposure to Asian equities, including off-benchmark holdings and small to mid-cap companies, providing access to diverse growth opportunities across the region.

Managed by a seasoned Portfolio Manager with nearly three decades of experience and supported by over 20 dedicated Asian equity analysts, the Fund seeks to identify companies with robust business models, strong corporate governance, and capable management teams that can drive shareholder returns.

With a relatively concentrated portfolio of 40 - 60 holdings, the Fund may exhibit higher volatility compared to its peers and benchmark; however, this has historically been offset by stronger performance. Investors seeking comprehensive exposure to Asian equities may find this fund compelling, though they should remain mindful of its regional concentration and consider complementing it with other geographies and asset classes to enhance diversification and manage risk.

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BlackRock BGF European Equity Income Fund

The BGF European Equity Income Fund is a European equity strategy that aims to deliver a reliable, growing income stream by investing in Pan-European large and mid-cap securities. It employs a disciplined, fundamentally driven investment process. Portfolio construction is conviction-led, risk-aware, and long-term in nature, supported by continuous feedback loops and structured checkpoints for reassessing investment cases. 

Suitable for investors seeking income from the European equity market, the Fund carries concentrated regional risk, and it is advisable to complement this exposure with investments across other geographies and asset classes.

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Customise your portfolio of SRS funds in minutes

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.