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You can withdraw your SRS monies any time. As SRS is meant for retirement purpose, any early withdrawals may be penalized. If withdrawals made after statutory retirement age*
If withdrawals made after statutory retirement age*
However, if early withdrawals are due to these exceptional circumstances, the 5% penalty will not be imposed but the withdrawal amount may be tax as follows:
*The statutory retirement age is the prevailing age when you made your first SRS contribution. Currently, it is 63.
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