We’ll intelligently manage your risk exposure with our all-inclusive annual management fee of just 0.2% to 0.8% as you retire faster than your banker. Learn more about retirement planning.
How will you put your SRS funds to work?
Get the most out of your SRS funds
Start Investing
We’re licensed by the Monetary Authority of Singapore. Find out more.
Invest your SRS towards your retirement
Invest your SRS for the long term
Adjust your risk exposure whenever you want with no minimum balance, no lock-up, and just 0.2% to 0.8% in an all-inclusive management fee. Learn about how we invest.
Invest your SRS for SGD Income
Earn a projected 4.4% net returns p.a. with our intelligently-diversified SGD Income Portfolio with the same low fees you can expect with us.
Manage your SRS funds with StashAway Simple™
With StashAway Simple™, you don’t have to meet any special conditions to earn 1.4% in interest. That means no minimum (or maximum) balance. And, there is no management fee.
We’re licensed by the MAS
We report quarterly to the MAS for all of our operations to demonstrate that we always meet the high capital requirements, and that we manage your funds in your best interest.
We’re compliant with the MOF
To manage your SRS funds, we remain fully compliant with the Ministry of Finance. Learn how we keep your money safe.
Your money is always accessible
Whether you’re at home, at work, or on the go, you’re always in control. You can check, adjust, and transfer your funds in just a few clicks or taps.
What will your retirement look like?
Frequently Asked Questions
Who is eligible to open an SRS account?
Any Singaporean Citizen, Permanent Resident, or foreign employee who is a tax resident of Singapore can contribute to an SRS account.
How do I invest my SRS funds using StashAway?
If you haven’t done so already, first open an SRS contribution account with DBS, OCBC, or UOB.
Then, to start investing your SRS funds with StashAway, create a new portfolio and indicate that you want to use SRS funds, and you'll be guided through the quick setup process.
On your behalf, we can automatically request the SRS funds from your SRS contribution account bank at the date and/or frequency you specify. That way, you don't have to worry about remembering to transfer! Your deposit plan into StashAway from your SRS account can be changed at any time right from our app.
What are the fees involved with investing my SRS with StashAway?
StashAway has only a simple annual fee between 0.2% and 0.8%, depending on your overall StashAway account balance. There are no subscription fees, no redemption fees, no custodian fees, and no penalty fees.
There's no management fee with StashAway Simple™ portfolio.
You can view the pricing structure here.
What are the tax benefits associated with SRS?
SRS’s main advantage is the tax benefits it offers. Whatever amount you contribute to your SRS account is fully deducted from your tax bill that year (Singaporeans and PRs can contribute to their SRS bank accounts up to $15,300 SGD per year, and foreigners can contribute up $35,700 SGD per year). These contributions lead to significant tax savings: Singaporeans who max out their SRS contributions can decrease their taxes by up to $3,366 SGD each year, depending on their tax bracket. Foreigners, given their larger contribution cap, can save nearly $8,000 SGD per annum, totaling nearly $80,000 SGD over the course of 10 years, assuming a full SRS contribution during those 10 years.
Withdrawals at retirement (or when conditions are met) are given a 50% tax concession and can be spread over 10 years to minimize taxes.