Unlock your SRS: Invest smart, retire rich
Maximise your SRS savings by investing wisely for retirement, while they reduce your taxes now. Howie Lim learns more from StashAway's Jeremy Foo and Endowus' Hugh Chung.
The Supplementary Retirement Scheme (SRS) was meant to help you save on taxes and grow your nest egg. Yet almost one in five SRS dollars or roughly S$4 billion still sits idle in cash, earning just 0.05 per cent a year. That’s not retirement planning, it looks more like financial sleepwalking.
In this week’s episode of Money Hacks from The Business Times, host Howie Lim asks the experts why so many Singaporeans are letting their SRS funds snooze when they could be compounding quietly for decades. Joining her are Hugh Chung, chief investment officer at Endowus, and Jeremy Foo, Singapore country manager at StashAway, who both explain how to wake that money up safely and strategically.
Why listen
- Stop leaving money on the table. Find out why parking your SRS in cash is effectively losing money to inflation and how to start investing it prudently.
- Invest for your timeline. From bonds and Reits to global ETFs, learn which mix makes sense for your risk appetite and how to balance local and foreign exposure.
- Build smarter habits. Automation, diversification and even “investing in your vices” and discover small shifts that can make a big difference to your long-term wealth.
Whether you’re 35 and just opened your SRS account or 55 and wondering if it’s too late, this episode unpacks the tax breaks, the options, and the mindset that separates passive savers from active planners.
Listen now to learn how to make your SRS work as hard as you do. And as always, host Howie Lim invites your feedback or suggestions at btpodcasts@sph.com.sg.
---
Navigate Asia in
a new global order
Get the insights delivered to your inbox.
Written and hosted by: Howie Lim (howielim@sph.com.sg)
With Jeremy Foo, Singapore country manager, StashAway; and Hugh Chung, chief investment officer, Endowus
Edited by: Howie Lim & Claressa Monteiro
Produced by: Howie Lim & Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
---
Follow BT Money Hacks podcasts every Monday:
Channel: bt.sg/btmoneyhacks
Amazon: bt.sg/mham
Apple Podcasts: bt.sg/oeXe
Spotify: bt.sg/oeGN
YouTube Music: bt.sg/mhyt
Website: bt.sg/moneyhacks
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.
---
Discover more BT podcast series:
BT Correspondents: bt.sg/btcobt
BT Market Focus at: bt.sg/btmktfocus
BT Podcasts at: bt.sg/pcOM
BT Lens On: bt.sg/btlenson
Decoding Asia newsletter: your guide to navigating Asia in a new global order. Sign up here to get Decoding Asia newsletter. Delivered to your inbox. Free.
Copyright SPH Media. All rights reserved.
ABOUT THE PODCAST
Money Hacks is a crisp, weekly podcast hosted by Howie Lim. Every Monday, it unpacks personal finance strategies and investing insights through conversations with expert guests. Whether it’s navigating employee perks, finding resilient sectors, or exploring value-based investing, listeners get actionable financial wisdom without the waffle.
TRENDING NOW
On the board but frozen out: The Taib family feud tearing Sarawak construction giant apart
Is it time to scrap COE categories for cars?
Thai and Vietnamese farmers may stop planting rice because of the Iran war. Here’s why
As more Asean states turn to Russia for fuel, will Moscow boost its influence in the region?
