Leap into prosperity this CNY 💰     Get an $88 head start to growing your wealth.

Leap into prosperity this CNY 💰Get an $88 head-start to growing your wealth.

Maximise your
retirement savings
with SRS.

licensed & regulated by
Monetary Authority of Singapore
CMS License 101051
double-ledger secure:
assets held in your own name at
Endowus & UOB Kay Hian

Why invest your SRS?

Save on your
income taxes

Get dollar-for-dollar tax relief of
up to $15,300 for Singaporeans
and PRs (or up to $35,700 for
foreigners).

Invest in your retirement and enjoy more tax reliefs

By contributing to your SRS, you can save
up to thousands of dollars each year.
how it works
Calculated based on an annual income of $100,000 SGD and personal reliefs of $30,000 SGD. Annual tax relief contributions capped at  $15,300 SGD for Singaporeans and PRs, and $35,700 SGD for foreigners.

Planning for the
long term?

Amplify your returns with the power
of compounding.

Invest in your
future you —
time is on your side

With a longer investment horizon for SRS monies, you can significantly impact your retirement savings by investing them in a long-term portfolio like Endowus Flagship Portfolio.
why invest your
srs with endowus?

Looking for short-term,
low risk options?

Do much better than 0.05% p.a.

Your SRS monies earn only 0.05% p.a.
in banks, here’s how you can get more.

  • Endowus Cash Smart can help grow your SRS beyond the meagre 0.05% p.a using low risk money market funds.
  • We provide access to best-in-class cash, money market, and short duration bond funds — at the lowest cost achievable.

  • Depending your risk preference, you can earn yields from 3.7% to 5.2% p.a.* with no lock ups and no limits or tiers.
*Not guaranteed. Projected yields calculated as of 31 Oct 2023.

Seamless
to set up

Expert investing —
made easy.

It’s simple to get started
with Endowus

  • Create an Endowus account.
  • Open an SRS account with an agent bank (DBS, OCBC or UOB).
  • Link your SRS account number. Find your SRS account number here.

  • Start investing with Endowus!

That’s it! Take the first step by creating an account and we’ll guide you through the rest.

Trusted with over
S$1 billion of CPF
and SRS savings

Building a generation that
invests better to live better
Our mission at Endowus has always been to build a generation that will live better, because they have invested better today.

We are thankful to our clients who have entrusted us with their life savings, over S$1 billion in CPF & SRS savings, to be precise.

Join us on our journey, as we seek to help you achieve better investing outcomes. We are confident we can get there together.

Invest in your retirement and enjoy more tax reliefs

By contributing to your SRS, you can save
up to thousands of dollars each year.
how it works
Calculated based on an annual income of $100,000 SGD and personal reliefs of $30,000 SGD. Annual tax relief contributions capped at  $15,300 SGD for Singaporeans and PRs, and $35,700 SGD for foreigners.

Invest in your future you
time is on your side

With a longer investment horizon for SRS monies, you can significantly impact your retirement savings by investing them in a long-term portfolio like Endowus Flagship Portfolio.
Why invest your SRS with Endowus?

Your SRS monies earn
only 0.05% p.a. in banks,
here’s how you can get more.

  • Endowus Cash Smart can help grow your SRS beyond the meagre 0.05% p.a using low risk money market funds.
  • We provide access to best-in-class cash, money market, and short duration bond funds — at the lowest cost achievable.

  • Depending your risk preference, you can earn yields from 3.7% to 5.2% p.a.* with no lock ups and no limits or tiers.
*Not guaranteed. Projected yields calculated as of 31 Oct 2023.

It’s simple to get started
with Endowus

  • Create an Endowus account.
  • Open an SRS account with an agent bank (DBS, OCBC or UOB).
  • Link your SRS account number. Find your SRS account number here.

  • Start investing with Endowus!

That’s it! Take the first step by creating an account and we’ll guide you through the rest.
Our mission at Endowus has always been to
build a generation that will live better,
because they have invested better today.

We are thankful to our clients who have
entrusted us with their life savings, over S$1
billion in CPF & SRS savings
, to be precise.

Join us on our journey, as we seek to help
you achieve better investing outcomes. We
are confident we can get there together.

Calculate your tax relief

Singaporean/PR Foreigner
$
$
$
Pre-SRS contribution Post-SRS contribution
Taxable income
Tax payable

Get started
with Endowus.

Onboard in under 5 minutes.

Frequently asked questions

What is the Supplementary Retirement Scheme (SRS), and how much tax can I save?

SRS is a voluntary scheme to encourage individuals (Singapore citizens, PRs, and foreigners working in Singapore) to save for retirement with tax benefits and employer contributions. Invest your SRS with Endowus to generate potentially higher retirement savings.

Dollar for dollar tax savings

For every dollar that you contribute, your taxable income is reduced, subject to the personal income tax relief cap of $80,000. The money contributed has restricted use and can mainly only be used for investment purposes.

Annual contribution cap

There is an SRS annual contribution cap of $15,300 per annum for Singapore citizens and SPRs, and $35,700 for foreigners.

Example of tax savings

The more you contribute to SRS, the more tax savings you can get. Here’s an illustration of how much tax you can save as a Singapore citizen or PR:

  • Annual income: S$100,000
  • Personal reliefs (CPF, qualifying child, etc.): -S$36,000
  • SRS contribution: -S$15,300
  • Chargeable income: S$51,300
  • Taxes due with SRS contribution: S$1,159
  • (Taxes due if no SRS contribution: S$2,230)

Annual tax potentially reduced by 48% with SRS contribution

What are the underlying funds in the Endowus SRS investment portfolios?

For general investing, Endowus Flagship Portfolios are composed of global equities and fixed income funds managed by best-in-class fund managers such as PIMCO, Dimensional, and Amundi. For Cash Smart portfolios, please refer to the Cash Smart page here.

Unlike other fund platforms, financial advisors, brokers, banks or distributors, Endowus accesses the institutional share-class of funds that have lower fees, never charges a sales fee, and rebates 100% of trailer fees so you keep more of your returns.

To see more information on the exact portfolios at each level of risk, underlying holdings, historical returns, fees, and more, create your Endowus account for free.

I’m an existing Endowus client. How do I get SRS invested?

1) Simply log in to your Endowus account,
2) Go to "Invest | Redeem"

3a) "Add new goal" and select "Invest my SRS", or
3b) select an existing goal, and "add my SRS to this goal".

If you do not see SRS as an investment option, you need to link your SRS account here.

How do I open and fund my SRS account?

You can open an SRS account if you are:

  • A Singaporean, Permanent Resident (PRs) or foreigner working in Singapore
  • At least 18 years old
  • Not an undischarged bankrupt

There are three SRS operators (UOB, DBS & OCBC). You can register for an SRS account with any of them on their online platforms.  You can fund your SRS account by internal bank transfer.

Once you have have your SRS account number, you only have to link it to your Endowus account and start investing!

View more FAQs