Invest With SRS

Put your Supplementary Retirement Scheme (SRS) monies to work for potentially higher returns.

Licensed by

Monetary Authority of Singapore

Secure a Brighter Financial Future With SRS Investments

You’ve been contributing to your SRS account and are happy to be able to rely on an extra source of retirement income. However, did you know that your untouched SRS funds earn only about 0.05% per annum (p.a.)? That’s why it’s essential to expand your sights and take advantage of investment opportunities with your SRS monies.

How Does Investing With SRS Work?

Here’s what you need to know about investing your SRS monies.

Are SRS Investments Tax-Free?

Only 50% of your SRS gains are taxable upon withdrawal. Moreover, every dollar of SRS contribution equals a dollar deducted from your taxable income.

Which Products Can I Invest In?

Your choice of investment products ranges from fixed deposits and government bonds to stocks and exchange-traded funds (ETFs). You can also invest in single premium insurance products.

When Can I Withdraw My Investment Returns?

It’s advisable to withdraw from your SRS funds only upon the retirement age of 63 or later, where you can spread out withdrawals over 10 years with only 50% being subject to tax. Before age 63, any SRS withdrawals you make will incur a 5% penalty, with 100% of the withdrawn amount being taxable.

Recommended Solutions

Ready to invest with your SRS account? MoneyOwl recommends the following investment solutions.


Park spare cash to generate consistent, low-risk returns with liquidity and flexibility.


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Invest in a broad range of diversified portfolios according to your risk appetite.


Take advantage of the latest investment promotions from MoneyOwl.

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Frequently Asked Questions

Your sell request will be processed at 3pm on the current business day if we received your sell request before 3 pm. If your sell request is received after 3pm, the request will be processed at 3 pm the next business day.

Firstly, you need to open an SRS account with any of the three SRS operators: DBS, OCBC or UOB. You can then choose to transfer monies into your SRS account.

  • Login> Under Investment and Savings Card> Select one of the portfolios
  • Click on ‘Add Portfolio’> Select Personal Account> Select your investment goal
  • Select ‘SRS’ as the funding method> Follow the on-screen instruction and proceed accordingly

Fill in your SRS Account Details (Please ensure there are sufficient fund in your SRS Account as the amount will be deducted immediately to process the buy request)> Key in the Promo Code (if any)> Continue

You can only open one SRS account with any of the three operators: DBS, OCBC or UOB. It is an offence and there are penalties to open SRS accounts with more than 1 operator.

Yes, you can. You will need to obtain the “Transfer of Account Form” from the new SRS operator, who will then liaise with your existing operator to effect the transfer. Please email to when the transfer is completed. We may request for additional supporting documents.

Recommended Next Steps

Ready to put your SRS monies to work and generate a new, promising source of income? Begin investing now! If you have further questions about investment with SRS, browse our FAQ page or leave us your enquiry below.

Aspire to an Ideal Future With Support From Your SRS Funds

Let your SRS monies grow and ensure a more fulfilling life in your retirement years.

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Explore the answers to commonly-asked questions.

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