Hi Alicq, When you are looking at a 10 year time frame, I presume you are investing with the intention to start the first withdrawal 10 years from now. In this case, there are many ways to invest your SRS monies. Some of them include - SSB - They are low returns but guaranteed and mature in 10 years. Rates now are a little low though - Unit Trust - Depends on what you buy, there are both bond, equity and balanced funds available. - 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 - Single Premium Annuity - Guaranteed returns with potential upside. In deciding which one is best (or even a combination of two or more of them), we actually need to take into account your overall picture as well as your personal preferences. SRS is meant for supplementing your retirement and hence it will be important to know what other assets you have for retirement, such as CPF, existing stocks, existing plans. Then, depending on what kind of assets you already have, or intend to have, you can plug any gaps with products available on SRS. The end goal will be to create multiple layers of income that are predictable , inflation hedged , and have low volatility . So it will be more prudent to see how SRS can come in to supplement your current assets as part of the big picture of retirement. I would suggest that you have a conversation with an advisor so that you can integrate SRS into your overall retirement planning.