Are Your SRS Savings Sitting Idle and Losing Value against Inflation?

Optimise your SRS savings through long term investments to maximize returns for your retirement needs.

What is the Supplementary Retirement Scheme (SRS)?

  • SRS is a voluntary scheme to encourage individuals to save for retirement, over and above their CPF savings.

  • SRS contributions are made over and above CPF contributions, and enjoy tax relief as well.

  • You can grow your SRS funds exponentially through long term investments, which could better increase your investment value to give you a more comfortable retirement.


Congratulations on your Tax Savings by contributing to SRS

But are Your SRS Savings Sitting Idle?

Opportunity Cost, In The Long Run (20 years)


Are you losing out on opportunity cost?

By saving your hard-earned money in SRS without investing, you may potentially lose out $365,091 over the long run. Talk to your consultant to customize an SRS plan for you.



How to Invest Your SRS Savings?

Depending on your objectives, there are multiple financial solutions to invest your SRS savings


20 approved products from 6 insurers



We have more than 1400 solutions, to suit your every needs


How To Optimise Your SRS Savings

With over hundreds of financial solutions from 70 asset management companies and 6 insurance companies, we can help you to narrow down the options and optimise your SRS savings to suit your needs best.

(All information on investment and insurance products are correct as of 1 October 2023.)

Meet Your Independent Financial Adviser Representative

Chiang Wen Kai 詹渂凯 (Kelvin)

Senior Consultant | AFP | AEPP | Certified Islamic Wealth Adviser |

About Chiang Wen Kai 詹渂凯 (Kelvin)

Having personally witness a close relative fall into a dire state in just a matter of weeks, the amount of shock and grief is an emotionally overwhelming and distressing situation. It's a time marked by intense and complex feelings. The shock can leave one feeling numb, disoriented, and unable to fully comprehend the gravity of the situation. Grief, on the other hand, is a deep and profound sorrow that comes with a sense of loss, helplessness, and sadness.

The added financial strain, stemming from inadequate financial coverage, can compound these emotions. It may create a sense of frustration, anxiety, and guilt, as you're not only dealing with the emotional burden but also the practical challenges of managing medical expenses and other financial responsibilities. This can lead to a feeling of helplessness and uncertainty about the future, as one grapple with how to provide the best care and life-long support for the relative, as well as for the spouse, young kids, and aging parents.

As a Financial Architect, I uses different financial tools to ensure that my clients are not just well sheltered under a financial roof, but a financial architecture that speaks history, modern and cutting edge.

Me, the Builder:  One of the fundamental of what I do is to perform a comprehensive financial assessment. This involves analyzing your current financial situation, income, expenses, assets, debts, and your financial goals. By understanding your unique circumstances, I can develop a customized financial plan tailored to your needs and aspirations.

Financial Roof for you:  I now seek to help my clients that I meet ensure that they have an adequate insurance coverage to shelter them from all storms of life, be it having enough for retirement, critical life situation that might strike, or just saving up for important life stages. 

Your very own Architectural Design:  A well-structured financial plan is essential to achieve your financial objectives. I will work with you to create a roadmap that addresses your specific goals, whether it's building an emergency fund, investing for growth, or planning for retirement. My strategic partnership with you will consider various aspects, including your risk tolerance, time horizon, and tax implications.

Maximize your SRS funds with us today.

Let us assist you with all the calculations. Ride on an exciting investment journey with us!

Here's What an Independent Financial Adviser Means

In Singapore, the financial services industry is regulared by the Monetary Authority of Singapore. Guidelines governing the use of the designation of 'independent' is contained in publication FAA-G05.
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Introducing Financial Alliance

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  • Financial Alliance is a leader in providing wealth advisory services to individuals and corporates alike, including private wealth advisory, Islamic wealth advisory and fee-based advisory.

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Serving more than 100,000+ consumers and corporates

We have been practising as Singapore's leading independent financial advisory firm for more than two decades.

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Partnering leading insurers and
fund houses for more choices

We work with dozens of product providers so our consultants can bring the most comprehensive solutions to clients.

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Proudly independent with your best interests in mind

We are truly independent and MAS-regulated so you always have peace of mind. Our track record speaks for itself.

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Frequently Asked Questions

The Supplementary Retirement Scheme (SRS) is a voluntary scheme to encourage individuals to save for retirement, over and above their CPF savings. Contributions to SRS are eligible for tax relief. Investment returns are tax-free before withdrawal and only 50% of the withdrawals from SRS are taxable at retirement.

Any Singapore Citizens, Singapore Permanent Residents (SPRs) and foreigners who is a Singapore Tax Resident may make SRS contributions in the current year.

The annual contribution limit for SRS is $15,300 for Singapore Citizens/Permanent Residents and $35,700 for foreigners.

You will be allowed SRS tax relief in the Year of Assessment following the year of contribution, provided you are a tax resident for that Year of Assessment. However, a personal income tax relief cap of $80,000 applies to the total amount of all tax reliefs claimed (including relief on SRS contributions).

You will not be allowed SRS tax relief if:

Your SRS account is suspended as at 31 Dec of the year of contribution; or

The amount of such contribution is withdrawn from your SRS account in the same year of contribution.

You are able to make a wide variety of investments, including shares, insurance, bonds, unit trusts and fixed deposits. Let us help you find the best investment vehicle that suit your needs.

Disclaimer: The information and opinions shared are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
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