Invest your Retirement Funds  

Grow your wealth & get regular dividends with

Investment Linked Plans (Cash/SRS)




Key features Investment-Linked Plans

Not sure how SRS funds work? Check out our FAQ below.

cash benefit


Receive Dividend & Invest for Growth  

best SRS product


Wide Range of Funds


capital guaranteed


High Watermark Locked-in Value for Death Benefit

(#goElite Secure)

Single Premium & Guaranteed acceptance


Guaranteed Acceptance

InsureDIY mobile application


Online Application

Why Apply for  
WealthLink, #goElite Secure or 

Not sure how SRS funds work? Check out our FAQ below.

If you are planning for your retirement, you may want to consider investing in WealthLink, #goElite Secure or #goElite to grow your returns. This flexible plan can even pay out the dividends from the underlying investments so that you can enjoy a steady stream of income throughout the plan. *

WealthLink, #goElite Secure or #goElite give you flexibility are designed specifically to maximise your tax benefits from your SRS account. #goElite Secure even protects your downside risk with a high watermark locked-in value feature for the death benefit in your policy.


Get a Quote


Not ready to get a quote? Reserve our current promotion by registering above!


Supplementary Retirement Scheme Funds Pot Plants

Comparison of WealthLink, #goElite Secure and #goElite

After investing a single premium in WealthLink, #goElite Secure or #goElite, you will benefit from investing in the capital markets and can benefit from downside risks (#goElite Secure). Invest by cash if you wish to receive the dividends from the policy, otherwise the dividends will be reinvested in the policy if you invest by SRS. 

NTUC logo
WealthLink #goElite Secure #goElite
Premium Term
Only Single Premium terms are acceptable for SRS Funds (check out Participating SRS retirement plans here)
Downside Protection

High Watermark Locked-in Value

The peak account value at every monthiversary is Locked-in to protect against volatile market trends. The highest monthly watermark recorded throughout the Policy is Locked-in to deliver maximum death benefit.

This feature is further explained below.


Available Funds


Funds for both #goElite and #goElite Secure

Core Funds:

Global Equity Fund

Global Bond Fund

Asian Bond Fund

Asian Equity Fund

Managed Fund

Asia Managed Fund

 Specialised Funds

Money Market Fund

Thematic Funds

Takaful Fund

Asian Income Fund

Global Income Fund

Asia Dynamic Return Fund

Asset Allocation Funds

Global Diverse Series - Managed Fund

Global Diverse Series - Balanced Fund

Global Diverse Series - Adventurous Fund


Allianz Glb Artificial Intelligence Acc SGD-H

Allianz Glb Intelligent Cities Income Dis SGD-H

Allianz Income and Growth Acc USD

Allianz Income and Growth Dis AUD-H, GBP-H , SGD-H

Allianz US Short Dur High Income Bd Dis SGD-H

Baillie Gifford Asia ex Japan Acc USD

Baillie Gifford LT Global Growth Acc USD

Baillie Gifford Positive Change Acc USD

Baillie Gifford US Equity Growth Acc USD

Canaccord Genuity Opportunity Fund Acc AUD-H, GBP-H, SGD-H, USD

Fidelity Asian Special Sit Dis USD

Fidelity Emerging Markets Acc SGD-H, USD

Fidelity European Dynamic Gr Acc SGD-H, USD-H

Fidelity US High Yield Fund Acc USD, AUD-H, GBP, SGD

First Sentier Bridge Fund Dis SGD

Franklin Global Sukuk Fund Dis SGD

Franklin Technology Fund Acc SGD-H

Franklin Technology Fund Acc USD

FSSA Asian Equity Plus Fund Acc USD

FSSA Dividend Advantage Fund Dis SGD

FSSA Greater China Growth Fund Acc USD

FSSA Indian Subcontinent Fund Acc USD

FSSA Regional China Fund Acc SGD

FSSA Regional India Fund Acc SGD

Fundsmith Equity Fund Acc GBP

Invesco Global Consumer Trends Acc USD

Janus Henderson Glb Life Sciences Acc SGD-H, USD

JPM Asia Pacific Income Acc USD

JPM Asia Pacific Income Dis AUD-H, SGD-H

MS Emerging Leaders Equity Fund Acc USD

MS Europe Opportunity Fund Acc EUR

Quilter Inv Compass 3 Port Acc AUD-H, EUR-H, GBP-H, SGD-H, USD

Quilter Inv Compass 4 Port Acc AUD-H, EUR-H, GBP-H, SGD-H, USD

Sands Capital US Select Growth Acc USD

Schroder ISF China Opp Acc SGD-H, USD

Templeton Shariah Global Equity Acc SGD

UBS All China Equity Acc USD

UBS China Allocation Opportunity Acc USD

United Asian High Yield Bond Acc SGD-H

United Asian High Yield Bond Acc USD

Fixed Income    USD    2022-10-11    

United Gold & General Fund Acc SGD

United SGD Fund Acc SGD, USD-H
Brochure Brochure Brochure

Get a Quote

High Watermark Locked-in Value (Available with TM's #GoElite Secure)

The peak account value at every monthiversary is Locked-in to protect against volatile market trends. The highest monthly watermark recorded throughout the Policy is Locked-in to deliver maximum death benefit.

Here are some common questions about 

WealthLink, #goElite Secure or #goElite

1. What is an SRS account?

The Supplementary Retirement Scheme ("SRS") is a voluntary scheme that complements the CPF Scheme in Singapore. You contribute any amount to your SRS (subject to a cap which is currently at $15,300 per year). This contribution can be excluded from your taxable income for the year. In addition, when you withdraw the funds on or after your retirement age, you will also be able to avoid paying taxes on this amount. We explain this below in Q3.

Interestingly, your SRS account is managed by the banks, not CPF. So you will need to set up an SRS account with your bank. If you need help setting us your SRS account, please do WhatsApp us at 91515963.

Important things to note about the SRS:

  • If left uninvested, your SRS funds only earn a return of 0.05% p.a.
  • You need to make your SRS contribution by 31 December of each year for that amount to be excluded in your taxable income. Each bank will have their own cut off time to process your contribution. So don't assume that you can do it a the end of the day! This is last year's deadlines for each bank.
Bank How to Transfer Deadline
DBS Digibank 7pm, on the bank's last working day of December
UOB UOB Personal Internet Banking 8pm, on the bank's last working day of December
UOB Cash or debit from UOB account at a UOB branch 29 Dec 2022, respective branch banking hours apply
UOB Cheque deposit at a UOB branch or Quick Cheque Box 3:30pm, 29 Dec 2022
OCBC Internet Banking
Mobile Banking
Cash at Bank Branches
Cheque deposit at Cheque Box
SRS contribution requests submitted between 9am and 9pm from Monday to Saturday (excluding public holidays) will be processed immediately. Requests submitted after 9pm or on a non-business day will be processed on the next business day.


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. This is currently age 63 and will increase over time. If you wish to lock in an earlier retirement age, do set up your SRS account and put in at least $1.


3. What are the minimum and maximum investment amounts for #goElite Secure and #goElite?

The minimum single premium is S$30,000 and maximum is S$500,000 for cash investments. For SRS policies, the minimum single premium is S$10,000 and maximum is S$500,000.


4. What can I invest in to increase my returns on my SRS account?

As the SRS funds will be in the SRS account for a long time, you can consider taking on assets that give a better return in the long-term. You would want to at least beat inflation! Generally, "guaranteed products" such as fixed deposits will give a very low returns that do not even cover inflation. Consider insurance plans such as Gro Saver Flex Pro, Gro Retire Flex Pro and MyLifeIncome II to get a mix of guaranteed returns and bonuses. These plans may offer capital guarantees as well, so you can be confident that your capital is not eroded over time.

You can also consider risker investments that may give even higher returns like SRS-approved unit trusts. Check out our offering of such unit trusts here.


5. How is WealthLink, #goElite Secure or #goElite different to SRS Participating Insurance Plans?

WealthLink, #goElite Secure and  #goElite are investment linked plans which means that the underlying assets are invested in selected investment funds and the value of these funds may increase or decrease depending on the market conditions. 

Unless specifically stated otherwise, there is no guarantee on the value of the underlying assets. 

 #goElite Secure offers a high watermark locked-in value explained above to protect your death benefit against volatile market conditions.

Participating plans tend to have a more stable growth in policy value as the insurer typically seeks to smooth returns to the policyholders over time. There is also an underlying guaranteed surrender value.


InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.

* Cash plans only. Dividends for plan invested using SRS funds are reinvested in the plan.