Best 3 Ways To Invest Your SRS Money

In this video I’ll tell you what are the best ways to invest your SRS money.

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0:00 - Intro

1:01 - Ways to invest SRS money
There are lots of different ways to invest your SRS money. But some of them are not optimum to invest in.

Past datas show that average bear market lasts for 9.6 months. And when you are investing through SRS, you have a long investment horizon, so it’s alright to invest in slightly higher risk investments like stocks and ETFs.

2:56 - Singapore stocks
You can’t use low cost brokers to buy Singapore stocks because they don’t support SRS. Instead, you can only use the rest like DBS Vickers etc, but they cost SGD25 per trade. The cheapest would be FSMOne at SGD8.80.

4:55 - SGX listed ETFs

My personal favorite is the S&P500 ETF

6:31 - RoboAdvisors
Only Endowus, MoneyOwl, StashAway support SRS. The easiest way is to choose their pre-made portfolios and you are done. Even though you can invest in dividend portfolios, it’s not ideal because you don’t have access to the money.

Endowus Fund Smart lets you pick and choose which funds to invest in. My personal favorite is Lion Global’s Infinity US 500 Stock Index Fund, Dimensional’s Global Core Equity Fund, and BlackRock’s BGF World Technology Fund.

*None of this is meant to be construed as investment advice, it's for entertainment purposes only. Some of the links and other products that appear on this video are from companies which Kelvin Learns Investing will earn an affiliate commission or referral bonus.*

[ahyun]

Hi Kelvin, mind sharing what do you use your own SRS to buy?

[weijieliao]

Highly informative yet concise. Greatly appreciate it!

[bettaman]

Between SGX SDPR S&P 500 (S27) and Endowus Infinity S&P 500, which is better when we take all fees into account. Thanks for your advice, Kelvin.

[jschia]

I have reached out to FSMOne. It is not possible to buy SPDR S&P 500 US$ with SRS funds. They only support shares/ ETF denominated in SGD for SRS funds.

[dteosk]

Hi kelvin, i have my srs account with philip security and they only charge 0.08% with the cash plus account.

[Katsumotoyeah]

hi, would like some advise, just started working about a year in, was thinking if it is more worth to open SRS account and top up monthly or top up my CPF S/A or M/A for tax relief. I do currently invest in US stocks at the side. just wondering which return would be more beneficial

[chuanluong]

Hi kelvin. I have been actively following your videos. Pretty informative. Your last portfolio update was 4 months ago. Could you do a video to update what did you add or sell in the last 4 months... Thanks

[VishalS]

Hi, thanks for your informative video. Very basic question... Where I can see the securities which I have bought using SRS funds?

[east]

Can you do a video on security lending? The risks, interest rate to expect, benefits and considerations?

[ashleighwong]

I have 10 years span before my SRS withdrawal is allowed but then i might want to convert this SRS fund to be passive income generation base on the portfolio i invested today. Question : What is the best (oops.. no should said optimium) way to invest my SRS today? ETF SP500 or Robo using Endowus? Would like to hear your advise. Thanks

[hongkaiyuan]

Hi Kelvin, what is the difference between the SPDR S&P 500 ETF and the Infinity US 500 ETF?

[hey]

Hi kelvin thanks for your video! can you show us your crypto portfolio? Like where you’re buying and keeping and even staking if you do so

[nkrulez]

great vid Kelvin. but i have to say that there is no growth stocks in SGX. their nature reminds me more of penny stocks. lol

[miyuzuki]

Kelvin, I would like to ask whether there is any annual or maintenance fees for SRS account (if I just open it to lock in the retirement age and make no investments)? Thanks!:)

[stephenyap]

helloo Kelvin, thanks for the video, just wanted to say that i've been using stashaway since 2 years ago... the investment is negative for 1.5 years until today :)

[ckkoh]

Buying from fsmone pay 8.80 sgd flat fee . It credit the holding balance direct to cdp account?

[yurentan]

How about lendlease Reit is it good for SRS investment for long term. Can do a video on lendlease I am very interested in this reit thank you

[ashleighwong]

If I decided to leave my SRS fund in the investment after 62 :
1) Can I do that?
2) Will the 10 years withdrawal on trigger once I start to withdraw?
3) Can I withdraw the investment return only without touching the base sum as what in it at age 62? If not how it work?

[casemiro]

Hi Kelvin, can u make a video of " Average Net Worth By Age" for Singaporeans? (if u have any info on this). Thanks.

[laiboonh]

I think you should mention ETF also have fund level fee