As the year-end approaches, th

As the year-end approaches, the Supplementary Retirement Scheme (SRS) is an effective tool for tax savings in Singapore, offering tax relief and flexible investment to boost retirement funds

The best choice depends on risk tolerance, investment horizon, and income goals, with Blue-Chip Stocks/ETFs for long-term growth, High-Yield REITs for stable income, and Stable Bonds/T-Bills for capital preservation, especially near retirement。。。

Central Provident Fund (CPF) offers guaranteed returns and mandatory contributions with less withdrawal flexibility, making it ideal for stable savings, while SRS provides tax relief and investment flexibility but is taxed on withdrawals before the prescribed retirement age, offering more control and tax-saving opportunities

Alignment with financial goals, risk appetite, and circumstances requires active management of SRS investments and thoughtful year-end contributions to optimize both tax savings and retirement growth

Tag :@Huat99 @Snowwhite

@Tiger_SG：Year-End Tax Saving & Investment: Is Your SRS Money Working for You?

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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boost retirement funds\nThe best choice depends on risk tolerance, investment horizon, and income goals, with Blue-Chip Stocks/ETFs for long-term growth, High-Yield REITs for stable income, and Stable Bonds/T-Bills for capital preservation, especially near retirement。。。\nCentral Provident Fund (CPF) offers guaranteed returns and mandatory contributions with less withdrawal flexibility, making it ideal for stable savings, while SRS provides tax relief and investment flexibility but is taxed on withdrawals before the prescribed retirement age, offering more control and tax-saving opportunities\nAlignment with financial goals, risk appetite, and circumstances requires active management of SRS investments and thoughtful year-end contributions to optimize both tax savings and retirement growth\nTag :<a href=\"https://ttm.financial/U/3555376654101817\">@Huat99 </a>&nbsp;<a href=\"https://ttm.financial/U/3562979576963766\">@Snowwhite </a>&nbsp;<t-t type=\"img\" src=\"https://community-static.tradeup.com/news/ff492da67ae8186b4b14d0bac9bc90c2\"></t-t></body></html>","htmlText":"<html><head></head><body>As the year-end approaches, the Supplementary Retirement Scheme (SRS) is an effective tool for tax savings in Singapore, offering tax relief and flexible investment to boost retirement funds\nThe best choice depends on risk tolerance, investment horizon, and income goals, with Blue-Chip Stocks/ETFs for long-term growth, High-Yield REITs for stable income, and Stable Bonds/T-Bills for capital preservation, especially near retirement。。。\nCentral Provident Fund (CPF) offers guaranteed returns and mandatory contributions with less withdrawal flexibility, making it ideal for stable savings, while SRS provides tax relief and investment flexibility but is taxed on withdrawals before the prescribed retirement age, offering more control and tax-saving opportunities\nAlignment with financial goals, risk appetite, and circumstances requires active management of SRS investments and thoughtful year-end contributions to optimize both tax savings and retirement growth\nTag :<a href=\"https://ttm.financial/U/3555376654101817\">@Huat99 </a>&nbsp;<a href=\"https://ttm.financial/U/3562979576963766\">@Snowwhite </a>&nbsp;<t-t type=\"img\" src=\"https://community-static.tradeup.com/news/ff492da67ae8186b4b14d0bac9bc90c2\"></t-t></body></html>","text":"As the year-end approaches, the Supplementary Retirement Scheme (SRS) is an effective tool for tax savings in Singapore, offering tax relief and flexible investment to boost retirement funds The best choice depends on risk tolerance, investment horizon, and income goals, with Blue-Chip Stocks/ETFs for long-term growth, High-Yield REITs for stable income, and Stable Bonds/T-Bills for capital preservation, especially near retirement。。。 Central Provident Fund (CPF) offers guaranteed returns and mandatory contributions with less withdrawal flexibility, making it ideal for stable savings, while SRS provides tax relief and investment flexibility but is taxed on withdrawals before the prescribed retirement age, offering more control and tax-saving opportunities Alignment with financial goals, risk appetite, and circumstances requires active management of SRS investments and thoughtful year-end contributions to optimize both tax savings and retirement growth Tag :@Huat99 @Snowwhite","highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://ttm.financial/post/506610011242840","repostId":505054314328416,"repostType":1,"repost":{"magic":2,"id":505054314328416,"tweetId":"505054314328416","gmtCreate":1764323787311,"gmtModify":1764348002497,"author":{"id":4106547232749330,"idStr":"4106547232749330","authorId":4106547232749330,"authorIdStr":"4106547232749330","name":"Tiger_SG","avatar":"https://community-static.tradeup.com/news/9eb57a835b72d997d1941fb6605d80a4","vip":4,"userType":4,"introduction":"[Tiger Broker Singapore Official] ","boolIsFan":false,"boolIsHead":false,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":5868,"starInvestorFlag":false},"themes":[{"themeId":"4f849944f102478e81c01a298bd70c5e","categoryId":"7cf744760f454845a1870a05ea4e151d","name":"Which Stock is Your Retirement Pick?","type":0,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":4f849944f102478e81c01a298bd70c5e}&rnconfig={\"headerBarHidden\": true}","description":"Some Tigers said: “I’m counting on OCBC for my retirement.\"\nThere are different choices for Singaporeans.\nBank-retirement camp: Holding bank stocks long-term = steady happiness.\nREIT camp: Relying on cash flow for retirement feels more secure.\n\nIt’s really about that feeling of “getting paid every year”: CICT, MIT, FLCT, MLT.\n\nThese can also be bought with CPF or through Endowus, making long-term holding even easier.\n\nCPF balances can be used to buy Singapore stocks.\nEndowus helps with tax savings and gives access to a wider variety of funds!\nSo, which is your retirement stock?","image":"https://community-static.tradeup.com/news/830b632ada2a2c66a3ed980c823ae623"}],"images":[{"img":"https://community-static.tradeup.com/news/c8f7e1b15651f0e534451492de1e7281","width":"1035","height":"210"}],"coverImages":[{"img":"https://community-static.tradeup.com/news/c8f7e1b15651f0e534451492de1e7281"}],"title":"Year-End Tax Saving & Investment: Is Your SRS Money Working for You?","extraTitle":"","html":"<html><head></head><body>The year is almost over—are you still letting your SRS funds just “sit there”? 😴 Actually, now is the perfect window to save on taxes with SRS contributions and optimize your investment allocation!<h2 id=\"id_195375115\">Why SRS is So Attractive</h2>The Supplementary Retirement Scheme (SRS) is a voluntary retirement savings plan that helps you prepare for retirement and directly reduces your taxable income.<ul style=\"\"><li>Singapore citizens/PRs can contribute up to SGD 15,300 per year, while foreign tax residents can contribute up to SGD 35,700 per year. Marginal tax rate at 15%? Full contribution could save you thousands in taxes 💰.</li><li>Earnings within your SRS—interest, dividends, capital gains—are completely tax-free until withdrawal, making long-term compounding highly effective.</li></ul><h2 id=\"id_295247904\">Cash Boost Account: Make Your SRS Money Work</h2>By linking your SRS account to a Cash Boost Account, you can put idle funds to work and flexibly choose from a variety of investment options:<ol start=\"1\" style=\"\"><li>Stocks: Invest in SGX-listed stocks, such as DBS, UOB, OCBC, Singtel, and other high-quality blue chips.</li><li>ETFs: Track indices, sectors, or regions to diversify your portfolio easily.</li></ol>You can use your CPF or SRS funds through the Cash Boost Account on the Tiger Trade App to invest in eligible stocks and ETFs listed on the Singapore Exchange.<h2 id=\"id_1423595408\">💬 Discussion</h2><ul style=\"\"><li>Which SRS investment would you choose? Blue-chip stocks, high-yield REITs, or stable bonds?</li><li>CPF vs SRS: which retirement investment tool do you prefer, and why?</li><li>What’s your best year-end strategy for using SRS to save taxes?</li></ul>Leave your comments to win at least 5 tiger coins!<hr>December is a critical period for income tax saving through SRS contributions and an important window for optimizing wealth allocation.Now, by linking your SRS to a Cash Boost account for investment, you can:<ul style=\"\"><li>Put your idle SRS funds to work through eligible SGX securities</li><li>Make more flexible and diversified investment choices</li><li>Grow your retirement savings</li></ul>What's more, we’ve prepared a limited-time reward for you:Complete your first Cash Boost Account trade with a trade amount of ≥ SGD 1000* to get SGD 688 stock vouchers*!Click here to join the event: https://sg.tigermarketw.com/activity2/market/2025/contra-invitation?lang=en_US&amp;useAnimation=true<img src=\"https://community-static.tradeup.com/news/c8f7e1b15651f0e534451492de1e7281\" tg-width=\"1035\" tg-height=\"210\"></body></html>","htmlText":"<html><head></head><body>The year is almost over—are you still letting your SRS funds just “sit there”? 😴 Actually, now is the perfect window to save on taxes with SRS contributions and optimize your investment allocation!<h2 id=\"id_195375115\">Why SRS is So Attractive</h2>The Supplementary Retirement Scheme (SRS) is a voluntary retirement savings plan that helps you prepare for retirement and directly reduces your taxable income.<ul style=\"\"><li>Singapore citizens/PRs can contribute up to SGD 15,300 per year, while foreign tax residents can contribute up to SGD 35,700 per year. Marginal tax rate at 15%? Full contribution could save you thousands in taxes 💰.</li><li>Earnings within your SRS—interest, dividends, capital gains—are completely tax-free until withdrawal, making long-term compounding highly effective.</li></ul><h2 id=\"id_295247904\">Cash Boost Account: Make Your SRS Money Work</h2>By linking your SRS account to a Cash Boost Account, you can put idle funds to work and flexibly choose from a variety of investment options:<ol start=\"1\" style=\"\"><li>Stocks: Invest in SGX-listed stocks, such as DBS, UOB, OCBC, Singtel, and other high-quality blue chips.</li><li>ETFs: Track indices, sectors, or regions to diversify your portfolio easily.</li></ol>You can use your CPF or SRS funds through the Cash Boost Account on the Tiger Trade App to invest in eligible stocks and ETFs listed on the Singapore Exchange.<h2 id=\"id_1423595408\">💬 Discussion</h2><ul style=\"\"><li>Which SRS investment would you choose? Blue-chip stocks, high-yield REITs, or stable bonds?</li><li>CPF vs SRS: which retirement investment tool do you prefer, and why?</li><li>What’s your best year-end strategy for using SRS to save taxes?</li></ul>Leave your comments to win at least 5 tiger coins!<hr>December is a critical period for income tax saving through SRS contributions and an important window for optimizing wealth allocation.Now, by linking your SRS to a Cash Boost account for investment, you can:<ul style=\"\"><li>Put your idle SRS funds to work through eligible SGX securities</li><li>Make more flexible and diversified investment choices</li><li>Grow your retirement savings</li></ul>What's more, we’ve prepared a limited-time reward for you:Complete your first Cash Boost Account trade with a trade amount of ≥ SGD 1000* to get SGD 688 stock vouchers*!Click here to join the event: https://sg.tigermarketw.com/activity2/market/2025/contra-invitation?lang=en_US&amp;useAnimation=true<img src=\"https://community-static.tradeup.com/news/c8f7e1b15651f0e534451492de1e7281\" tg-width=\"1035\" tg-height=\"210\"></body></html>","text":"The year is almost over—are you still letting your SRS funds just “sit there”? 😴 Actually, now is the perfect window to save on taxes with SRS contributions and optimize your investment allocation! Why SRS is So Attractive The Supplementary Retirement Scheme (SRS) is a voluntary retirement savings plan that helps you prepare for retirement and directly reduces your taxable income. Singapore citizens/PRs can contribute up to SGD 15,300 per year, while foreign tax residents can contribute up to SGD 35,700 per year. Marginal tax rate at 15%? Full contribution could save you thousands in taxes 💰. Earnings within your SRS—interest, dividends, capital gains—are completely tax-free until withdrawal, making long-term compounding highly effective. Cash Boost Account: Make Your SRS Money Work By linking your SRS account to a Cash Boost Account, you can put idle funds to work and flexibly choose from a variety of investment options: Stocks: Invest in SGX-listed stocks, such as DBS, UOB, OCBC, Singtel, and other high-quality blue chips. ETFs: Track indices, sectors, or regions to diversify your portfolio easily. You can use your CPF or SRS funds through the Cash Boost Account on the Tiger Trade App to invest in eligible stocks and ETFs listed on the Singapore Exchange. 💬 Discussion Which SRS investment would you choose? Blue-chip stocks, high-yield REITs, or stable bonds? CPF vs SRS: which retirement investment tool do you prefer, and why? What’s your best year-end strategy for using SRS to save taxes? Leave your comments to win at least 5 tiger coins! December is a critical period for income tax saving through SRS contributions and an important window for optimizing wealth allocation. Now, by linking your SRS to a Cash Boost account for investment, you can: Put your idle SRS funds to work through eligible SGX securities Make more flexible and diversified investment choices Grow your retirement savings What's more, we’ve prepared a limited-time reward for you: Complete your first Cash Boost Account trade with a trade amount of ≥ SGD 1000* to get SGD 688 stock vouchers*! Click here to join the event: https://sg.tigermarketw.com/activity2/market/2025/contra-invitation?lang=en_US&useAnimation=true","highlighted":2,"essential":2,"paper":2,"link":"https://ttm.financial/post/505054314328416","repostId":0,"isVote":1,"tweetType":1,"commentLimit":10,"symbols":[],"verified":2,"subType":2,"readableState":1,"subTypeObject":{"tweetId":505054314328416,"totalAmount":500,"balance":500,"end":false,"deadline":1765403787311,"remainingNumber":100},"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":true,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":1880,"optionInvolvedFlag":true,"xxTargetLangEnum":"ORIG"},"isVote":1,"tweetType":1,"viewCount":204,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["SRS.AU","CPF","SRS"],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":856,"optionInvolvedFlag":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/506610011242840"}