Hi, will appreciate some advise Earn: 130k/yr NSMen Married with no child Rent Unit I been paying about 10k in income tax, if there any way to further reduce it? should I top up SRS and then CPF?

Yes you should.

1. Top up CPF SA/MA - Look at it this way, your taxable income bracket of 11.5% means that you have to pay $115 for every $1k taxable above $80k. If you top up your SA/MA instead, you will make $45 for every $1k - netting a difference of $115+$45 in the process, with the only downside being the top up isn't withdrawable or reversible.
2. Top up SRS account - As the name suggests, it's a supplementary retirement scheme so definitely max out your CPF top up first as this requires actual management of your funds. If you are already into investing however, you may consider leaving your funds here as it can still be withdrawn in times of emergency, albeit with a 5% penalty.

Hope it helps.

Yeah top up SRS and CPF (yourself or your loved ones)... but thats if you believe in those...

Please top up CPF first. Then SRS. Then parents RA. I did all 3 and income taxes still above 10k but still enjoying quite a fair bit of tax savings ...