Hi, what would you guys invest with your SRS account?

Just my opinon:

#Not an financial advisor, just a guy like to do math.

Depend on age, and how much you contribute:

Rule of game

1) You can only withdraw at 62 to avoid 5% penalty

2) Must withdraw within 10years

3) to avoid tax you may only withdraw $40k per years

Thus Target sum by 72 years old = $400k nothing more, nothing less.

Assume you are 35years old?

72 - 35 = _ _37 years to compound

Assume you contribute $5k a year?

http://www.moneychimp.com/calculator/compound_i...

Conclusion

You should invest in instrument that yield ~3.5% p.a. Thus a unit trust is sufficient. You should review yearly if your contribution vary. it will make more sense if tax avoidance is your priority, top up CPF SA as it is 4% risk free, tax free. Then invest with normal investment account.​​​

I have used Endows Fundsmart to invest my SRS funds. You can opt for the low-cost Vanguard ETFs or other funds like PIMCO, Dimensional etc.. if you want more broader access to other asset classes like Fixed Income/Bonds.