If you have a Supplementary Retirement Scheme fund ("SRS"), you may want to consider investing to enhance your returns.


Currently, SRS Funds only earn 0.05% p.a.. As you will likely leave the SRS Funds in the scheme for a long time, it is worth considering investing to provide you with returns over 3% p.a. in the long-term.


For a limited time only, get up to $100 cashback on your application.*


Single premium investment from SRS

Capital guaranteed. Guaranteed minimum return plus additional non-guaranteed returns.

Regular income from the product from retirement age, maximising the 50% tax concession.
Over 3% p.a. expected return after including bonuses.
Policy Term of 20 years and above



Get Your Free Quote Now!



 * First 100 sucessful applicants only. Valid till 31 Dec 2019. $100 cashback for single premium policies of $100,000 and above and $50 cashback for single premium policies below $100,000. Payable after the free-look period as passed. 


Here are some FAQs about SRS Insurance and how it maximises your SRS:


1. How are SRS Insurance different to stock, exchange-traded funds (ETFs) and real estate investment trusts (REITs)?


SRS Insurance are capital guaranteed and offers guaranteed returns. This is unlike stocks, ETFs and REITs where your capital can be wiped out by market movements. On top of the guaranteed returns, SRS Insurance provides additional non-guaranteed returns. Once the insurer declares the bonus each year, this bonus is locked-in and cannot be taken away.


2. When can I start withdrawing from my SRS account without penalty?
You can make withdrawals after the statutory retirement age based on when your first SRS contribution was made.


3. What does the 50% tax concession mean?


After your retirement age, you can start withdrawing from your SRS account for a period of 10 years. Only 50% of the funds withdrawn are subject to income tax. As income up to $20,000 attract no income tax in Singapore, you can withdraw up to $40,000 SRS funds ($20,000 x 2) per year without having to pay any tax. This means that you can withdraw up to $400,000 tax-free over 10 years!


After the 10 year tax concession period, your policy is deemed withdrawn and everything left in the account will be subject to income tax even if you do not liquidate the investments.


The regular income from SRS Insurance could be completely tax free if the monthly income does not exceed $3,333 per month. ($40,000 over 12 months)




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InsureDIY is an online financial adviser licensed by Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.