Why should you consider using CPF/SRS to invest in funds? Seems like this is a not so popular method of investing?

Haven't considered CPF yet but I contribute to SRS (and invest the contributions) for tax savings.​​​

Hi Anon, another way to look at this is that through careful fund selection, you'd be diversifying your risks as many CPF/SRS-approved funds would have concentration risk limits e.g. single name / issuer / group / country / geography / rating etc limits. Contrast this with taking single-name risk through stock / bond / etc selection.

Depending on your risk appetite (time horizon / liquidity needs are somewhat irrelevant here given both are retirement savings vehicles), there may still be some yield pick up for SRS (having the cash sit idle earns near-0 interest rate in the SRS account). Using CPF requires more thought and homework, as the baseline interest rate of 2.5% minimum currently (risk free!) is already quite considerable.