Invest with SRS

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.

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 Before age 63, any SRS withdrawals you make will incur a 5% penalty, with 100% of the withdrawn amount being taxable.

WiseSaver

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

WiseIncome

Generate a sustainable stream of passive income and boost your retirement savings.

Dimensional

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

No data was found

Frequently Asked Questions

How do I submit an investment top-up request?

You can login to your MoneyOwl Investment Account to submit a top-up request:

Login> Under Investment and Savings Card> Select one of the portfolios
Click ‘Top Up’
Select the portfolio from the drop-down list> Enter the funding amount

For cash investment, the top up request will be processed when there are sufficient monies in your Cash Account.
For SRS and CPF OA investments, the top up request will be processed immediately.

How soon will I receive the cash in my bank account?

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.

How do i start investing my SRS?

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

Can I open more than one SRS account?

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.

Can I change my SRS account if I have already started investing my SRS monies with MoneyOwl?

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 inv_ops@moneyowl.com.sg when the transfer is completed. We may request for additional supporting documents.