Supplementary Retirement Scheme (SRS) — Engage

Are Your SRS Savings Sitting Idle and Losing Value against Inflation?

Optimise your SRS savings through long term investments to maximize returns for your retirement needs.

Have you ever wondered why the Singapore government created the Supplementary Retirement Scheme (SRS) in 2001?

The Supplementary Retirement Scheme (SRS) is designed to encourage individuals to voluntarily save more for their golden years. SRS contributions are made over and above CPF contributions, and enjoy tax relief as well.

You can grow your SRS funds exponentially through long term investments, which could better increase your investment value to give you a more comfortable retirement.

Enjoy Tax Relief on your SRS contributions
Grow your retirement funds through SRS Investments
Tax-free Investment Returns
Only 50% of the withdrawals from SRS are taxable at retirement

Maximize your SRS funds with us today.

Let our Financial Consultants assist you with all the calculations. Ride on an exciting investment journey with us!

How does an Independent Financial Adviser (IFA) stand apart from others?

80,000 satisfied clients

Wide selection of products in the market

How can our financial advisors contact you to assist you on your retirement planning?

Contact Number

By clicking “Schedule a Consultation Session” above, you consent to our Terms of Service, Privacy Policy, and consent to receive automated calls/texts from Financial Alliance Pte. Ltd. Consent is not a condition of any solicitation of services.

How Can We Better Serve You


Help us understand your financial needs and retirement goals

We will work hand in hand with you to align our recommendation with your retirement goals and desired investment returns.


We will customise a plan that is tailored for you

We will go through major funds that is available and select the ones that suits you best


It’s never too early to start saving and planning for your retirement

Contact us for a consultation with our MAS licensed financial consultants!

Our Business Partners

By partnering with a wide range of insurance companies, investment houses and other wealth management solution providers, we are proud to be able to independently and objectively structure the most fitting solution to fit your unique circumstance.

  1. AIA Singapore Pte Ltd
  2. Aviva Limited
  3. AXA Insurance Pte Ltd
  4. China Life Insurance (Singapore) Pte. Ltd.
  5. China TaiPing Insurance (Singapore) Pte Ltd
  6. Etiqa Insurance Pte Ltd
  7. Friends Provident International
  8. FWD Singapore Pte Ltd
  9. HSBC Insurance (Singapore) Pte. Limited
  10. Life Insurance Corporation (Singapore) Pte Ltd
  1. Manulife (Singapore) Pte Ltd
  2. NTUC Income Insurance Co-Operative Ltd
  3. Quilter International
  4. Raffles Health Insurance Pte Ltd
  5. Singapore Life
  6. Swiss Life Global Solutions
  7. Tokio Marine Life Insurance Singapore Ltd
  8. Transamerica Life (Bermuda) Ltd
  9. Utmost Worldwide Limited (S’pore Branch)
  1. Havenport Investments Pte. Ltd.
  2. iFAST Financial
  3. Navigator Investment Services Ltd
  1. Phillip Securities Pte Ltd
  2. UOB Kay Hian
  1. Aberdeen Asset Management Asia Ltd
  2. AllianceBernstein (Singapore) Ltd
  3. Allianz Global Investors Singapore Ltd
  4. Alquity Investment Management Limited
  5. Amanah Mutual Berhad
  6. Amundi Luxembourg S.A.
  7. Amundi Singapore Limited
  8. APS Asset Management Pte Ltd
  9. Aviva Investors Asia Pte Ltd
  10. Aviva Investors Luxembourg
  11. Barclay Bank Plc
  12. BlackRock (Luxembourg) S.A
  13. BlackRock (Singapore) Limited
  14. BNP Paribas Investment Partners
  15. Canaccord Genuity Wealth (International) Limited
  16. Canaccord Genuity Wealth (International) Limited
  17. DB Platinum
  18. Deutsche Asset Management (Asia)
  19. Duxton Asset Management Pte. Ltd.
  20. DWS Investment S.A.
  21. DWS Noor Islamic Funds plc
  22. Eastspring Investments (Singapore) Limited
  23. Edmond De Rothschild Asset Management
  24. Eurizon Capital S.A.
  25. Fidelity Worldwide Investment
  26. First Sentier Investors (Hong Kong) Ltd
  27. First Sentier Investors (Singapore)
  28. Franklin Templeton Investments
  29. FRM Investment Management Limited
  30. Fullerton Fund Management Company Ltd
  31. Henderson Global Investors (Singapore) Limited
  32. HSBC Global Asset Management (Singapore) Ltd
  33. ING Investment Management
  34. Invesco Asset Management Asia Limited
  35. J.P. Morgan Asset Management
  36. Kotak Mahindra (UK) Limited
  1. Legg Mason Asset Management S’pore Pte Ltd
  2. Legg Mason Global Funds Plc
  3. Lion Global Investors Limited
  4. List of Exchange Traded Funds
  5. Lyxor Asset Management (Ireland) Limited
  6. Man Investments Limited
  7. Manulife Asset Management (Singapore) Pte Ltd
  8. Manulife Global Fund
  9. Matrix Alternative Investment Strategies
  10. Matthews Asia Funds
  11. Mirae Asset Global Investments (Hong Kong) Ltd
  12. Natixis Global Asset Management
  13. Navigator Investment Services Limited
  14. Nikko Asset Management Asia Limited
  15. Old Mutual Global Investors (Asia Pacific) Ltd
  16. OSK International Asset
  17. Phillip Capital Management
  18. Pimco Asia Pte Limited
  19. PineBridge Investments Ireland Limited
  20. PineBridge Investments Singapore Limited
  21. Pioneer Alternative Investments
  22. Pioneer Investments
  23. Prestige Fund Management Ltd
  24. Reliance Asset Management-Mauritius Ltd.
  25. Robeco
  26. Russell Investments Limited
  27. Salus Alpha Capital GmbH
  28. Schroder Investment Management
  29. SHK Fund Managment Limited
  30. Singapore Unit Trusts Limited
  31. Superfund Financial (Hong Kong) Ltd
  32. Threadneedle Investments
  33. UBS Global Asset Management (Singapore) Ltd
  34. UOB Asset Management
  35. Vanguard Investments Singapore Pte Ltd
  1. Aetna Insurance (Singapore) Pte Ltd.
  2. AIG Asia Pacific Insurance Pte Ltd
  3. Allianz Global Corporate & Specialty (AGCS)
  4. Allianz Insurance Singapore Pte Ltd
  5. Allied World Assurance Company, Ltd (Singapore)
  6. AIA Singapore Pte Ltd
  7. Aviva Limited
  8. AXA Insurance Pte Ltd
  9. Berkshire Hathaway Specialty Insurance Company
  10. China Taiping Insurance (Singapore) Pte Ltd
  11. Chubb Insurance Singapore Limited
  12. CIGNA International
  13. Delta Insurance Singapore Pte Ltd
  14. ECICS Limited
  15. EQ Insurance Company Ltd
  16. ERGO Insurance Pte Ltd
  17. Etiqa Insurance Pte Ltd
  1. Great American Insurance Company
  2. Great Eastern Life Assurance Co. Ltd
  3. Great Eastern General Insurance Limited
  4. HL Assurance Pte Ltd
  5. India International Insurance Pte Ltd
  6. Liberty Insurance Pte Ltd
  7. Lonpac Insurance Bhd
  8. MS First Capital Insurance Ltd
  9. MSIG Insurance (S’pore) Pte Ltd
  10. NTUC Income Insurance Co-Operative Ltd
  11. QBE Insurance (International) Ltd
  12. Raffles Health Insurance Pte Ltd
  13. Sompo Insurance Singapore Pte Ltd
  14. Tokio Marine Insurance Singapore Ltd
  15. Tokio Marine Life Singapore Ltd
  16. Zurich International Life Limited
  17. Zurich Insurance Co Limited
  1. Bank of China Singapore Branch
  2. CIMB Bank Singapore
  3. Citibank Singapore
  4. DBS Bank Ltd
  5. Hong Leong Finance
  6. HSBC Singapore
  7. Maybank Singapore
  8. OCBC Bank Singapore
  1. POSB Bank
  2. RHB Singapore
  3. State Bank of India Singapore
  4. Sing Investments & Finance Ltd
  5. Singapura Finance Ltd
  6. Standard Chartered Singapore
  7. UOB Bank Ltd
  8. Westpac Banking Corporation
  1. Falco Heritage Pte Ltd
  2. Barakah Capital Planners
  1. ChrisChong & CT Ho LLP
  2. Kensington Trust Group
  3. Precepts Legacy Pte Ltd
Supplementary Retirement Scheme (SRS) — Engage

Why You Can Trust Us


By being independent, we offer impartial financial advice that is in the clients’ interest instead of providing biased advice that is unduly influenced by our business partners’ sales quotas or higher commissions.

Advanced Infrastructure

Our fintech infrastructure will then narrow down the thousands of products provided by various financial institutions in Singapore before providing you with well-rounded solutions.

One-Stop Centre

Our access to a suite of products and services, coupled with strategic tie-ups with business partners (as mentioned above) give us the independence,  range and depth to serve your needs.

Frequently Asked Questions

The Supplementary Retirement Scheme (SRS) is a voluntary scheme to encourage individuals to save for retirement, over and above their CPF savings. Contributions to SRS are eligible for tax relief. Investment returns are tax-free before withdrawal and only 50% of the withdrawals from SRS are taxable at retirement.

Any Singapore Citizens, Singapore Permanent Residents (SPRs) and foreigners who is a Singapore Tax Resident may make SRS contributions in the current year.

Singapore Citizens/Permanent Residents: $15,300

Foreigners: $35,700

You will be allowed SRS tax relief in the Year of Assessment following the year of contribution, provided you are a tax resident for that Year of Assessment. However, a personal income tax relief cap of $80,000 applies to the total amount of all tax reliefs claimed (including relief on SRS contributions). 

You will not be allowed SRS tax relief if: 

  1. Your SRS account is suspended as at 31 Dec of the year of contribution; or
  2. The amount of such contribution is withdrawn from your SRS account in the same year of contribution. 

Disclaimer: The information and opinions shared are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务?(Please select all that applies)


By submitting this form, I confirm that


  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明,特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.


Scan for Contact Details

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Retirement Planning

Will I be able to retire comfortably?