SRS investment options in 2023

You have a long investment horizon with SRS, so you can consider longer term products.

Hi Hui Long,

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SRS has many options. If you can withstand risk, then you may consider the following:

• Unit Trust - Depends on what you buy, there are both bond, equity and balanced funds available. These may also allow you to access markets which are not available otherwise
• SG listed Stocks/REITs - The market has thrown up some good opportunities, so you may consider getting some shares
• ETFs - There are some robo advisors which allow SRS

If you don't want risk, then T Bills, Money Market, SSBs, FDs, Single Premium Endowment/Annuities may fit your situation, depending on your time horizon and preferences, as well as how they tie in to your overall planning.

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It's my personal view that I don't consider something to be low risk or not, rather, I see it as something that is 'lower' in risk compared to something else. Either an asset has no risk, or it has risk, and that risk level is lower or higher compared to another asset. You have SSBs (no risk) and Endowus (has risk). Consider what you'd like to add to your portfolio, weighing the pros and cons, and you should be able to find something to suit you.