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CPF & SRS Planning

Make your CPF and SRS work harder, so you keep more of what you earn.

CPF statement, SRS documents, calculator and pen on a clean desk

Singapore's CPF and SRS schemes are two of the most powerful tax-deferred tools available to working adults. Used well, they can reduce your tax bill today, grow your wealth efficiently, and fund the lifestyle you want tomorrow.

What's Included

  • CPF Investment Scheme (CPFIS)Customer Favourites

    Explore approved unit trusts, ETFs, bonds, and shares that may help grow your CPF savings beyond the default interest rates.

  • SRS Investment AllocationCustomer Favourites

    Invest SRS funds in approved instruments so your tax savings continue compounding instead of sitting idle in cash.

  • CPF Retirement Sum Optimisation

    Understand how the Full Retirement Sum, Basic Retirement Sum, and Enhanced Retirement Sum affect your future CPF LIFE payouts and housing choices.

  • SRS Tax-Deferred Contributions

    Top up your Supplementary Retirement Scheme to enjoy dollar-for-dollar tax relief, with withdrawals spread across 10 years from the statutory retirement age.

  • CPF & SRS Withdrawal Planning

    Coordinate CPF LIFE payouts, SRS withdrawals, and other income streams to manage tax brackets and cashflow in retirement.

  • Housing vs Retirement Trade-offs

    Balance using CPF for property today against preserving enough for retirement income tomorrow — a decision that is hard to reverse later.

Many Singaporeans contribute to CPF and SRS without a clear plan. They leave SRS funds in cash, miss contribution deadlines, or use CPF for housing without considering the long-term income gap.

We help you look at the full picture: your current tax bracket, retirement timeline, property plans, and risk appetite. Then we structure a CPF and SRS strategy that maximises what the system offers while protecting your flexibility.

Small decisions today — such as when to top up SRS or how to invest CPFIS savings — can compound into tens of thousands of dollars over time. Let's make sure every dollar is doing its job.

Start with a no-obligation discussion?

Every dollar of SRS relief you miss this year is a dollar of tax saved that you cannot get back. Let's check if you're using CPF and SRS to their full advantage.

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