Save on your income taxes
Invest in your retirement and enjoy more tax reliefs
Annual tax relief contributions capped at $15,300 SGD for Singaporeans and PRs, and $35,700 SGD for foreigners.
Annual tax relief contributions capped at $15,300 SGD for Singaporeans and PRs, and $35,700 SGD for foreigners.
Make your SRS work harder by investing it
Endowus
‍Cash Smart
Short-term and low risk options with Cash Smart to earn higher yields
- Grow your savings beyond the meagre 0.05% p.a in SRS bank account
- Invest with a peace of mind with low risk money market and short duration bond funds
- Depending your risk profile, you can earn yields from 2.0% to 3.1% p.a.*
Endowus
Flagship
Endowus
‍Fund Smart
Invest in SRS funds at a low cost on Fund Smart
- Amundi Prime USA Fund
- Dimensional Global Core Equity Fund
- PIMCO GIS Global Bond Fund
Effortless SRS investing made easy in just 4 simple steps
Endowus is trusted with over $1 billion of SRS savings
Chief Executive Officer

Endowus
We are thankful to our clients who have entrusted us with their life savings, over $1 billion in SRS savings, to be precise.


Join us on our journey, as we seek to help you achieve better investing outcomes. We are confident we can get there together.
Chief Executive Officer

Endowus
Learn more about SRS
Your guide to the Supplementary Retirement Scheme
SRS and compounding: A powerful synergy
Best SRS investment options available
Frequently asked questions
SRS is a voluntary scheme to encourage individuals (Singapore citizens, PRs, and foreigners working in Singapore) to save for retirement with tax benefits and employer contributions. Invest your SRS with Endowus to generate potentially higher retirement savings.
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Dollar for dollar tax savings
For every dollar that you contribute, your taxable income is reduced, subject to the personal income tax relief cap of $80,000. The money contributed has restricted use and can mainly only be used for investment purposes.
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Annual contribution cap
There is an SRS annual contribution cap of $15,300 per annum for Singapore citizens and SPRs, and $35,700 for foreigners.
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Example of tax savings
The more you contribute to SRS, the more tax savings you can get. Here’s an illustration of how much tax you can save as a Singapore citizen or PR:
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- Annual income:Â S$100,000
- Personal reliefs (CPF, qualifying child, etc.):Â -S$36,000
- SRSÂ contribution:Â -S$15,300
- Chargeable income:Â S$51,300
- Taxes due with SRSÂ contribution:Â S$1,159
- (Taxes due if no SRSÂ contribution:Â S$2,230)
Annual tax potentially reduced by 48% with SRSÂ contribution
For general investing, Endowus Flagship Portfolios are composed of global equities and fixed income funds managed by best-in-class fund managers such as PIMCO, Dimensional, and Amundi. For Cash Smart portfolios, please refer to the Cash Smart page here.
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Unlike other fund platforms, financial advisors, brokers, banks or distributors, Endowus accesses the institutional share-class of funds that have lower fees, never charges a sales fee, and rebates 100% of trailer fees so you keep more of your returns.
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To see more information on the exact portfolios at each level of risk, underlying holdings, historical returns, fees, and more, create your Endowus account for free.
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1)Â Simply log in to your Endowus account,
2)Â Go to "Invest |Â Redeem"
3a) "Add new goal"Â and select "Invest my SRS", or
3b)Â select an existing goal, and "add my SRS to this goal".
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If you do not see SRSÂ as an investment option, you need to link your SRSÂ account here.
You can open an SRSÂ account if you are:
- A Singaporean, Permanent Resident (PRs) or foreigner working in Singapore
- At least 18 years old
- Not an undischarged bankrupt
There are three SRS operators (UOB, DBS & OCBC). You can register for an SRS account with any of them on their online platforms. Â You can fund your SRSÂ account by internal bank transfer.
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Once you have have your SRSÂ account number, you only have to link it to your Endowus account and start investing!
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