Where do you usually invest your SRS funds?

Not answering but asking if anyone have compare between endowus with moneyowl?

If retirement age is over 15 years away, direct stock exposure is not a bad idea. I have been putting in 80% of my SRS funds into the big 3 banks and the other 20% in ETF. I plan to do so till 57. For my risk tolerance level, 5 years is sufficient time to slowly move out of equity to cash but your situation may be different. The larger point being, optimise for alpha on SRS funds if your retirement is a decade or two away. In the long run, equity markets offer the best risk/reward skew.

I used FSMOne to buy UTs for US big cap, small cap & China equities. Everything is fully automated now. All are green except China haha.. but am bullish with it and will keep holding it.

Since you have a long investment horizon. Suggest starting doing research onto growth company in your area of competency. Build your conviction on a between 5 to 10 company and start investing.