Reach life’s goals with CPFIA and SRS

At a glance

See how CPFIA and SRS can help you make more of your savings and plan for your future

CPFIA

Maximise Your CPF Returns: Earn potentially higher returns by investing your CPF savings in CPF Board-approved unit trusts, at 0% sales charges.

Diversify Your Investments: Invest in a range of assets including stocks, bonds, REITs, and more, to potentially maximise returns and manage risk.

Boost Your Retirement Income: Invest in CPFIS at any age, including after 55 when your Special Account (SA) closes.

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SRS

Enjoy tax savings for every dollar saved into the account

Accumulate tax-free gainsfrom investing SRS funds and boost retirement savings

Flexibility to withdraw funds anytime*with 50% tax concession on withdrawals from the statutory retirement age

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How it Works

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

Build your financial future with CPFIA and SRS.

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.

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.

Maximise Every Life Stage — *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.

Eligibility

To invest your CPF money, first open a CPF Investment Account with us. The criteria are:	Over S$20,000 in Ordinary Account (OA)
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

Not sure where to start? Or have questions about investing?

Here’s an article that can help you be more ready.

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Discover More Ways to Grow

DBS Multiplier Account

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

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Tap into trusted advice

Connect with our Wealth Planning Managers and get the insights you need to take charge of your financial plans with confidence.

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$100,000 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$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.