Arigato, {{ first name | dear investor }},

A few days ago, I stumbled upon something that affects every Singaporeans 🇸🇬

From 1 July 2026, Singapore's official retirement age will increase from 63 to 64.

At first, I didn't think much of it.

But then I realized this change could affect anyone who has never contributed to SRS before.

And potentially lock up your retirement money for an extra year.

If you've never heard of SRS before, it stands for the Supplementary Retirement Scheme.

Think of it as a retirement account that helps you save on taxes while investing for the future.

Every dollar you contribute reduces your taxable income, up to $15,300 per year.

That's why many higher-income earners use SRS to legally reduce their tax bill every year.

But here's the part most people don't know.

Your SRS withdrawal age is locked in based on when you make your very first contribution.

Which means:

And here's the crazy part.

You don't need to contribute $15,300.

You don't even need $100.

Even a $1 contribution can lock in your withdrawal age.

When I first found out about this, my immediate thought was:

Because it's literally a $1 strategy that could preserve an extra year of flexibility for your future self. 🤯

But personally, I don't just use SRS for the tax savings.

To me, that's only half the story.

The other half is investing.

For the last 5 years, I've been contributing to SRS and investing it alongside my CPF.

Why?

Because if you don’t invest your SRS, it’s only giving you 0.05%/yr, which means you’re already losing due to inflation!

That's why I started learning how to invest both my CPF OA and SRS.

And over the last 5 years, my CPF portfolio has grown by over 61%, significantly better than simply leaving everything inside OA earning 2.5%, or worse, the 0.05% SRS returns.

The biggest lesson I've learned?

Don't just contribute. Invest.

Because tax savings are great.

But long-term compounding is where the real magic happens.

That's actually why I created my CPF Automated Growth Workshop.

Because I genuinely believe every Singaporean should understand how to make their CPF and SRS work harder for them — just like my student Bou:

With just $7, you’ll learn:

✔ How I invest my OA and SRS step-by-step
✔ The ETFs and funds I personally invest in to grow my CPF
✔ How many of my students have achieved 10–15% annualized returns
✔ How to avoid the common mistakes most CPF investors make

Since your CPF and SRS are going to be part of your retirement anyway, you might as well learn how to make them work as hard as possible for you. 😊

Would love to have you join us,
and keep learning together—the Arigato way 💛

Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛