At a Glance

Helps you afford more in life

Helps you retire more comfortably

Gives your savings more potential to grow

What comes to mind when you think of moving to a bigger house when your family grows? Or sending your kids to a good school? For many people, it means topping up cash to supplement your CPF savings.

With a CPF Investment Account (CPFIA), you might not have to as you can invest the idling money and unlock its potential to help you afford more in life.

Likewise, you can invest your savings in the Supplementary Retirement Scheme (SRS). Besides enjoying attractive tax relief, you could build up a more robust retirement fund for your golden years.

Quick Facts:
CPFIA and SRS are two national schemes initiated by the Singapore Government to help locals and foreigners in Singapore prepare for retirement.


How it Works


Maximise Every Life Stage

As you progress through life, your needs evolve. The key to being financially ready for every stage of your life lies in planning and saving early. CPFIA and SRS schemes can be very helpful as you can start making the most of both the moment you start working.

Here’s a look at the roles they would play at every milestone.

*Since 50% of SRS withdrawals are taxable, you only need to pay taxes if your chargeable income exceeds S$20,000 as stated by law.


What You Can Invest In

Not sure where to start? Or have questions about investing? Here’s an article that can help you be more ready.


Get more Benefits


Earn bonus interest on your DBS Multiplier Account when you invest with your DBS CPFIA and DBS SRS Account. Dividends count too! Find out more.



To invest your CPF money, first open a CPF Investment Account with us.
The criteria are:

  • Over S$20,000 in Ordinary Account (OA)
  • Over S$40,000 in Special Account (SA)

To invest through SRS, first open an SRS Account with us and start saving into it. The criteria are:

  • Maximum yearly contribution:
    • S$15,300 for Singaporeans
    • S$35,700 for foreigners

Get Started

CPF Investment Account

Open a CPFIA today and start investing

Apply now

Need more information on CPFIA?

Find out more

Supplementary Retirement Account

Ready to grow your retirement savings with SRS?

Apply now

Need to know more about tax savings and investing your SRS?

Find out more

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

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