Alert: Several reports from Indonesia of Syfe impersonations on WhatsApp. Read more
New user promo: Get 6% p.a. returns for 30 days on the first $10,000

SRS Portfolios

The Better place
for your SRS

Go beyond simply tax savings, and accelerate your retirement goals with our bank-beating returns.

Invest now
maximise returns

Accelerate your SRS returns with our industry-leading, cost-efficient investment solutions.

TAX BENEFITS

Reduce yearly taxable income and enjoy tax-deferred investment gains.

ALL-IN-ONE Platform

Easily manage all of your investments on one seamless platform.

Grow your SRS with our curated portfolios

Invest in one or more portfolios based on your goals, time horizon and risk tolerance.

Core Equity100

Capture long-term growth with diversified exposure to over 5,000 global stocks with your SRS funds.
High RISK

Investments focused on equity markets that seek to provide high levels of capital appreciation over time.

Investments focused on equity markets that seek to provide high levels of capital appreciation over time.

Maximise returns with 100% equity portfolio built using the best-in-class, low cost index funds.
Avg ann return (8Y)
9.46
% p.a.

100% Global Equities

100% equity with diversified exposure to over 5,000 stocks and automatic dividend reinvesting.

Best-in-class INDEX FUNDS

Designed using low-cost index funds and optimised with proven factors like value, size, and quality for superior long-term returns.

Expertly Managed

Managed in partnership with top asset 
managers, using decades of experience and proven track record.

comparison TABLE

CORE equity100 SRS

Returns p.a. (last 8 years)

9.46
%

Portfolio Management

Passively managed with factor based enhancements

Fund Level Fees

0.15%*

MSCI ACWI
Active Funds based Equity Portfolio

 10.44%

6.0-8.0%

Passive Index

Actively managed

Not possible to invest in the index

1.0-2.0%

*Active funds based equity portfolio returns range assumes lower returns due to higher fees and active management underperformance.


Past returns are shown for illustrative purposes only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception (31 March 2020) are based on model portfolios returns which may not fully account for trading costs, tax implications and timing impacts. Past returns prior to portfolio inception date are based on our internal backtested data with information obtained from underlying fund managers. Past returns are not a guarantee for future performance.

Source: Syfe’s Research as of 31 August 2024

Find out more

Income+

Choose between Income+ Preserve and/or Income+ Enhance to grow your SRS through dependable and steady dividends.
MODERATELY LOW RISK

Investments that typically aim to provide a balance of income and capital appreciation.

Investments that typically aim to provide a balance of income and capital appreciation.

High income with capital appreciation. Powered by PIMCO®.
Yield to Maturity
6.6
-
7.1
% p.a.

Monthly Dividends

Monthly dividends automatically reinvested to maximise returns.

INSTITUTIONAL FUND ACCESS

Exclusive access unlocks up to 60% savings on fund level fees for retail investors, maximising returns.

No-lock ins

Invest with full flexibility - no lock-in, no withdrawal penalties, no minimum balance.

comparison TABLE

Income+ SRS
DIRECT
Unit Trusts

Yield to maturity (%)

6.6

  -  

7.1

% p.a.

6.1% p.a. (Average)

Dividend Taxes

Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.

Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.

Optimised to minimise
dividend
withholding taxes

Depends on fund domicile

FX Risk

SGD Hedged

Depends on fund denomination

Fund Level fees

0.65%*
(Institutional funds)

1.5%+
(Retail funds)

Management / Access fees

0.25% to 0.65%

0.3 - 1.0% (Access fees) + 

3.0 - 5.0% (Sales charges)

Portfolio  and fund management

The portfolio is managed and advised by Syfe informed by PIMCO's forward looking views. Funds composed in the portfolio are actively managed by PIMCO.

Fund is managed by a single fund manager with a set objective. Fund managers seek to outperform market or benchmark.

*Fund level fee for Income+ is calculated using the average of all fund level fees across Preserve and Enhance (which varies depending on portfolio and allocation) latest as of 28 Apr 2024. Fee benchmarks for unit trust and ETF are surveyed from top income fund manager’s retail share class at the time of publication.

Find out more

Cash+ Flexi (SGD)

Supercharge your SRS funds safely, with our lowest-risk portfolio and bank-beating rates.
Very Low RISK

Preservation / relative safety of invested capital with returns in line with short-term money market rates.

Preservation / relative safety of invested capital with returns in line with short-term money market rates.

Stable, steady returns in line with Singapore money market rates.
Projected returns
2.9
% p.a.

no lock-ins, No Minimums

Unlimited next-day withdrawals to your SRS bank account, with no minimum investment required.

accelerate your returns

Multiply your returns by over 70x, smashing interest rates of 0.05% in traditional SRS bank accounts.

LOW RISK PORTFOLIO

Generate consistent and steady returns with a peace of mind with our low risk portfolio.

comparison TABLE

Cash+ Flexi (SGD)

Yield / Interest (%)

2.8% - 2.9%*

Term

None

Withdrawal

Redeem anytime

Risk

Very Low

Bank Savings Account
Fixed Deposits
T-bills

0.05%

2.90%

3.70%

None

6 months

6 - 12 months

Liquid

Early withdrawal penalties apply

No early redemption

Safe

Guaranteed

Guaranteed

*Projected yield as of Apr 2025
Source: Treasury Bills Statistics (mas.gov.sg), DBS 6 month FD rate as of May 2024.
Cash+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Cash+ does not provide any guarantee or assurance of returns.

Find out more

Steps to invest in your SRS

Whether you're a new investor or transferring funds from another platform, discover how easy it is to invest in SRS with Syfe through our simple step-by-step process.

Why invest your SRS funds

01

tax savings

Lower your taxable income when you contribute to your SRS; SRS contributions are tax-deductible and can bring about significant tax savings.

02

beat inflation

Inflation reduces the value of money, meaning that the same amount will buy you less in the future, and investing your SRS funds can help you to keep up with inflation.

03

Potential for Higher Returns

Investing your SRS funds  a diversified portfolio, such as stocks, bonds, or mutual funds, can potentially yield higher returns compared to leaving your funds in a low-interest account.

04

flexibility

Your SRS funds can be invested in a variety of instruments including our Core Equity100, Income+, and Cash+ Flexi portfolios. This allows you to tailor your investment strategy based on your risk tolerance and financial goals.

Don’t have SRS yet?

SRS is a great way to save on taxes and grow your retirement funds. Find out how much you can save below.

Singaporean/pr
Foreigner
Maximum here is S$10,000,000
This is a required field
Maximum here is S$80,000
This is a required field
Maximum here is S$15300
This is a required field
Tax savings with SRS

$2,295

Payable tax

$11,655

Maximum here is S$10,000,000
This is a required field
Maximum here is S$80,000
This is a required field
Maximum here is S$35,700
This is a required field
Tax savings with SRS

$5,355

Payable tax

$8,595

Disclaimer: This tool does not contain all the information you may need to make an informed decision regarding your taxes. Please seek advice from a qualified tax advisor where necessary.
Singapore
HONG KONG
AUSTRALIA
Syfe Pte. Ltd. (“Syfe”), which is regulated by the Monetary Authority of Singapore and holds Capital Markets Services Licence No. CMS100837, operates this website. This website may advertise Syfe products and services. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Please see our full disclaimers and disclosures here.
INVEST
MANAGED PORTFOLIOS
Core
Core Equity100
Core Growth
Core Balanced
Core Defensive
specialised
Protected Portfolios
Thematic Portfolios
Passive Income
Income+
REIT+
build your own
Custom
BROKERAGE
UCITS ETFs
CASH MANAGEMENT
Cash+ Flexi
SRS
PRIVATE WEALTH
SYFE FOR BUSINESS
ABOUT
About Us
Investment Strategy
Pricing
Security
learn
Syfe Magazine
E-books
Tools
SUPPORT
FAQs
Contact Us
MORE
Legal
Careers
Consult Us