𝗠𝗮𝘀𝘁𝗲𝗿𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗦𝗥𝗦 𝗘𝘅𝗶𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆

🚨 𝗧𝗵𝗲 𝗦𝗥𝗦 𝗠𝗶𝘀𝘁𝗮𝗸𝗲 𝗧𝗵𝗮𝘁’𝘀 𝗖𝗼𝘀𝘁𝗶𝗻𝗴 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗼𝗿𝘀 𝗧𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝟵𝟬% 𝗼𝗳 𝗦𝗥𝗦 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗼𝗿𝘀 𝗱𝗼𝗻’𝘁 𝗿𝗲𝗮𝗹𝗶𝘇𝗲: You’re so focused on getting that immediate tax relief that you’re walking into a potential financial trap. The real question isn’t whether you should contribute to SRS – it’s whether you know how to get your money out without losing a fortune.

𝗧𝗵𝗲 𝗦𝗵𝗼𝗰𝗸𝗶𝗻𝗴 𝗧𝗿𝘂𝘁𝗵 𝗔𝗯𝗼𝘂𝘁 𝗦𝗥𝗦 𝗪𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹𝘀
Most people celebrate their $15,300 or $35,700 tax savings, but here’s what happens next: 𝗧𝗵𝗲 𝘀𝗮𝗺𝗲 𝗽𝗲𝗿𝘀𝗼𝗻 𝗰𝗮𝗻 𝗲𝗻𝗱 𝘂𝗽 𝗽𝗮𝘆𝗶𝗻𝗴 𝘃𝗮𝘀𝘁𝗹𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗮𝗺𝗼𝘂𝗻𝘁𝘀 𝗶𝗻 𝘁𝗮𝘅𝗲𝘀 depending on one simple factor – timing.

𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝘁𝗵𝗶𝘀 𝘀𝗰𝗲𝗻𝗮𝗿𝗶𝗼: Two identical individuals, same income, same SRS contributions. One withdraws as a Singapore resident, the other as a non-resident. 𝗧𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲? 𝗔 𝟮𝟰% 𝘄𝗶𝘁𝗵𝗵𝗼𝗹𝗱𝗶𝗻𝗴 𝘁𝗮𝘅 𝘁𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝘀𝘁 𝘁𝗲𝗻𝘀 𝗼𝗳 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀.

𝗪𝗵𝗮𝘁 𝗡𝗼𝗯𝗼𝗱𝘆 𝗧𝗲𝗹𝗹𝘀 𝗬𝗼𝘂 𝗔𝗯𝗼𝘂𝘁 𝗦𝗥𝗦

❌ 𝗠𝘆𝘁𝗵: “I’ll figure out the withdrawal later”
✅ 𝗥𝗲𝗮𝗹𝗶𝘁𝘆: Your exit strategy should be planned BEFORE your first contribution

❌ 𝗠𝘆𝘁𝗵: “SRS gives me tax-free money”
✅ 𝗥𝗲𝗮𝗹𝗶𝘁𝘆: It’s tax deferment, not elimination – and the bill always comes due

❌ 𝗠𝘆𝘁𝗵: “The 10-year rule protects me”
✅ 𝗥𝗲𝗮𝗹𝗶𝘁𝘆: Sometimes using the 10-year rule is the WORST financial decision you can make

𝗧𝗵𝗲 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗧𝗵𝗮𝘁 𝗞𝗲𝗲𝗽 𝗠𝘆 𝗖𝗹𝗶𝗲𝗻𝘁𝘀 𝗨𝗽 𝗔𝘁 𝗡𝗶𝗴𝗵𝘁
🤔 “I’m planning to leave Singapore in 5 years – should I even start SRS?”
🤔 “I’ve been contributing for 3 years but might become a non-resident – what now?”
🤔 “My SRS account has grown significantly – how do I minimize the tax hit?”
🤔 “Should I withdraw early and pay penalties, or wait and risk higher taxes?”

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝘀𝗲𝗽𝗮𝗿𝗮𝘁𝗲𝘀 𝘀𝗺𝗮𝗿𝘁 𝗦𝗥𝗦 𝘂𝘀𝗲𝗿𝘀 𝗳𝗿𝗼𝗺 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝗲𝗹𝘀𝗲: They understand that contribution is just the beginning. The real strategy lies in the exit.

𝗬𝗼𝘂𝗿 𝗰𝗶𝗿𝗰𝘂𝗺𝘀𝘁𝗮𝗻𝗰𝗲𝘀 𝘄𝗶𝗹𝗹 𝗰𝗵𝗮𝗻𝗴𝗲 – 𝘆𝗼𝘂𝗿 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗻𝗲𝗲𝗱𝘀 𝘁𝗼 𝗰𝗵𝗮𝗻𝗴𝗲 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲𝗺.

𝗧𝗵𝗲 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗧𝗵𝗶𝘀 𝗩𝗶𝗱𝗲𝗼 𝗥𝗮𝗶𝘀𝗲𝘀
After watching this, you’ll probably be asking yourself:
“Have I been thinking about SRS all wrong?”
“What’s my actual tax exposure when I withdraw?”
“Should I adjust my strategy based on my future plans?”
“How much could poor timing cost me personally?”

𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗻𝗼𝗱𝗱𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝘁𝗼 𝗮𝗻𝘆 𝗼𝗳 𝘁𝗵𝗲𝘀𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀, 𝘆𝗼𝘂’𝗿𝗲 𝗻𝗼𝘁 𝗮𝗹𝗼𝗻𝗲. These are exactly the conversations I have with clients who realize that SRS planning goes far deeper than annual contributions.

𝗥𝗲𝗮𝗱𝘆 𝗳𝗼𝗿 𝗮 𝗥𝗲𝗮𝗹𝗶𝘁𝘆 𝗖𝗵𝗲𝗰𝗸?
This video gives you the foundation, but 𝗲𝘃𝗲𝗿𝘆 𝗦𝗥𝗦 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝘂𝗻𝗶𝗾𝘂𝗲. Your optimal strategy depends on factors like your career trajectory, residency plans, investment timeline, and tax circumstances.

𝗖𝘂𝗿𝗶𝗼𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝗬𝗢𝗨𝗥 𝘀𝗽𝗲𝗰𝗶𝗳𝗶𝗰 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻? Let’s have that conversation. Because the difference between a good SRS strategy and a great one could be worth tens of thousands to your family’s financial future.

𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝗪𝗶𝘁𝗵 𝗠𝗲:
𝗛𝗶𝗿𝗮𝗹 𝗞𝗮𝗸𝗮𝗶𝘆𝗮 (AWP, CEP)
📱 +65 9181 3707
💼 Trusted Financial Advice | 12Yrs Excellence | 300+ Families

Published By:

Hiral Kakaiya

As a 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗻𝗱 𝗲𝘀𝘁𝗮𝘁𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁, I help families 𝘀𝗲𝗰𝘂𝗿𝗲 𝘁𝗵𝗲𝗶𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝘂𝘁𝘂𝗿𝗲 and protect their legacy for generations to come. My approach centers on understanding each client’s unique story, then crafting 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 that bring peace of mind and financial confidence to their lives.

My commitment extends far beyond providing advice—it’s about building 𝗹𝗮𝘀𝘁𝗶𝗻𝗴 𝗽𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽𝘀 founded on trust, transparency, and unwavering support. With over 𝟭𝟮 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 serving 𝟯𝟬𝟬+ 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀, I’ve learned that exceptional financial guidance isn’t just about numbers—it’s about 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗶𝗻𝗴 𝗱𝗿𝗲𝗮𝗺𝘀 𝗶𝗻𝘁𝗼 𝗿𝗲𝗮𝗹𝗶𝘁𝘆.

My mission is simple: to be the 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗮𝗱𝘃𝗶𝘀𝗼𝗿 who helps families navigate their financial journey with confidence, knowing their legacy is secure for generations ahead.