Singapore's Supplementary Retirement Scheme has quietly become one of the largest pools of under-worked capital in the country. Cumulative contributions have climbed from S$5.97bn in 2015 to S$23.88bn in 2025 — a fourfold expansion in a decade. But the more telling number sits inside that total: roughly a fifth of all SRS monies is still parked as idle cash, earning 0.05% a year while food inflation runs at 2.2%. That gap isn't a rounding error. It's a slow, compounding transfer of purchasing power away from the very people the scheme was designed to protect. A dollar contributed for tax relief and then left uninvested buys less at 65 than it did the day it went in. The arithmetic is unforgiving in both directions. S$100,000 sitting in an SRS account earns S$501 over ten years. The same S$