31yo, Regret SRS, wishes to withdraw but is it worth it?

If u don't need the cash, u can just leave it.

or u can use SRS to invest if u think the SSB return is Low.

Leave it, you already saved on income tax? But I like Endowus, can consider next investment with right appetit/profile! And DCA to consider.

My question is why withdraw from SRS and use the money for investment when you can also invest SRS although there are some limitations? If you are able to invest in the same product with SRS, then there is no need to withdraw from SRS.

No regrets for SRS. Please do proper planning for those SRS funds for your longer term returns so that you can earn subsequent compounding returns when you withdraw it in the later years. There are so many options for SRS by investing in Robo investing if you do not want to monitor it for longer term. Otherwise you can invest on your own to the Index funds or stable growth SG companies. It is all about your planning for those funds in the longer term.