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Take your SRS funds further

What is SRS?

The Singapore government started the Supplementary Retirement Scheme (SRS) to complement the Central Provident Fund (CPF) to help the population meet its financial needs for retirement. SRS is an effective tool to reduce tax payments while saving up for retirement. Unlike with CPF, participation in SRS is entirely voluntary.

StashAway complies with the Ministry of Finance, and is licensed by the MAS

In addition to complying with the Ministry of Finance so that we can manage SRS investments, we report quarterly to the MAS for all of our operations to demonstrate that we are always meeting the high capital requirements, and that we are managing funds and the company in our clients’ best interest.

Benefits of investing your SRS funds with StashAway

  • Long-term focus

    StashAway’s investment strategy uniquely takes a long-term asset allocation focus to help your money navigate major economic changes. That’s exactly what you want for your retirement funds.

    Learn more about our investment strategy.

  • Accessible and convenient

    It’s your money, and so it should be easy to monitor. Check your investments, and update your SRS deposit settings at any time on your StashAway mobile or desktop app.

  • Low fees

    Do you know how much your fees hurt your returns? 1% more in management fees will reduce your investment returns by 28% over 20 years. 

    Learn more about our fees.

  • Backtested success

    Through the Financial Crisis, our portfolio would have earned more compared to a similar risk benchmark. The benchmark is composed of 60% in stocks (as measured by Vanguard Total Stock Market Index, VTSMX) and 40% in bonds (as measured by Vanguard Total Bond Market Index, VTBMX). That’s because our intelligent portfolios have less pronounced ups and downs, and so they can recover more quickly from market downturns. 

    Learn more about how we invest.

Don't limit your retirement's potential

If you contribute $15,300 SGD for 20 years but keep it in cash, you’ll have $306,000 SGD (and $459,000 SGD in 30 years). But, if instead you invest the savings and earn 5% net returns per annum, you’d have more than $500,000 SGD after the same 20 years (and more than $1,000,000 SGD in 30 years!).

Frequently asked questions

  • 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. 

    You can view the pricing structure here.

  • Who is eligible to open an SRS account?

    Anyone who is a tax resident of Singapore. This includes Singaporean Citizens, Permanent Residents, and Foreign Employees.

  • Don’t I have to invest with the bank with which I opened my SRS account?

    You can open an SRS account with DBS, OCBC, or UOB, but you aren’t limited to those three banks to invest your SRS contributions.

  • How do I invest my SRS funds using StashAway?

    If you haven’t done so already, open an SRS contribution account with DBS (apply online here), OCBC (apply online here), or visit any UOB Group Branch. Then, you can add your SRS account details to your StashAway account.

    After we have verified your SRS account, you can plan your StashAway SRS investments right from the StashAway mobile or desktop app. On your behalf, StashAway will request the SRS funds from your SRS contribution account bank (DBS, OCBC or UOB) on the date you have specified with the amount you specify.

    The investment amount and schedule into StashAway from your SRS account can be changed at any time through the StashAway app.

Learn more about SRS

Get in touch

Your investments are personal, and so you’ll get real people to answer your questions. Don’t hesitate to contact us if you have any questions about using StashAway for your SRS investments.

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