Would you use CPF or SRS funds with a robo-advisor, or keep retirement money in lower-risk options?

Hey snowlearning,

​

I’d probably not treat all my CPF/SRS money the same. If it’s money I won’t need for decades, I’d be more comfortable taking some investment risk, but I’d still keep the overall portfolio aligned with my retirement timeline and risk tolerance. For diversification, some people also consider assets like gold or gold ETFs, but I’d see that as a small part of the portfolio rather than a replacement for core investments. You can see this SingSaver guide for some tips on gold investment in Singapore: https://www.singsaver.com.sg/investment/blog/go...

I do that. i think they are easy to use. manage the risk. low risk low returns.