Many contributors treat SRS as a tax-relief account and leave funds idle. But cash in an SRS account typically earns only about 0.05% per year, which can be eroded by inflation over time.
Investing SRS funds allows your savings not only to benefit from tax relief but also to participate meaningfully in market growth.
📌 Top 10 ETFs held by SRS account holders
🔹 Local & Foreign Equity ETFs:
$STI ETF(ES3.SI)$ SPDR Straits Times Index ETF: exposure to Singapore’s largest companies;
SPDR S&P 500 ETF $SPDR S&P500 US$(S27.SI)$: exposure to the US market’s top 500 stocks;
$Lion-OCBC Sec HSTECH S$(HST.SI)$: focus on major tech firms;
$Lion-OSPL China L S$(YYY.SI)$ for China stocks
🔹 REIT ETFs:
Diversified property income exposure: $LION-PHILLIP S-REIT(CLR.SI)$ $Amova-STC Asia REIT(CFA.SI)$
🔹 Bond ETFs:
$ABF SG BOND ETF(A35.SI)$ ABF Singapore Bond Index Fund for stability;
🔹 Gold ETF:
SPDR Gold Shares ( $GLD SG$(GSD.SI)$) a hedge and diversification allocation for gold;
How to Do It on Tiger Brokers CBA account
With Tiger Brokers, you can:
Use your SRS balance to invest in eligible SGX-listed stocks and ETFs; Trade directly via the Tiger Trade App with real-time pricing; Integrate your SRS ETF strategy with your broader retirement plan, including CPF and cash accounts.
Do you agree with the Top 10 SRS ETFs on the list?
Which one are you most bullish on?
Are you actively investing your SRS funds, or are they still sitting idle?
Comment below: “I would use my SRS to invest in ____ ETF because ____.”
Leave your comments to win tiger coins~
For SG users only, Welcome to open a CBA today and enjoy access to a trading limit of up to SGD 20,000 with unlimited trading on SG, HK, and US stocks, as well as ETFs.
Find out more here.
Complete your first Cash Boost Account trade with a trade amount of ≥ SGD1000* to get SGD 688 stock vouchers*! The trade can be executed using any payment type available under the Cash Boost Account: Cash, CPF, SRS, or CDP.
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Comments
The ETF I’m most bullish on is the S&P 500 ETF $SPDR S&P500 US$(S27.SI)$ . The US market continues to dominate in innovation and earnings growth, particularly across AI, technology, and global platforms. As a long-term SRS holding, it serves well as a core growth engine alongside local exposure.
I’m actively investing my SRS funds rather than leaving them idle. I would use my SRS to invest in the S&P 500 ETF because it provides diversified access to global market leaders while maximising the long-term benefits of SRS tax relief.
@Tiger_comments @TigerStars @Tiger_SG
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