Asked on 28 Jul 2020
Do $1 top-up to SRS now (to lock in retirement age) or end of year when banks have promo.
Depends on where you going to invest your funds later.
Narrower scope of investment
Cannot withdraw until 55
Wider selection of investment tools available
Able to withdraw with 5% penalty and add into tax for the year
Some pro and cons I can think of.