Investing Checklist

CPF/SRS

Author

Arigato Investor
December 28, 2025

In partnership with

Arigato, dear investor,

As the year winds down, I always like to pause and do one quiet thing:

A year-end money check-in.

Not out of fear.
Not because I must rush.

But because this small window before 31 Dec can make a huge difference to how our CPF, SRS, and taxes work for us — calmly, over decades.

So I put together a simple year-end checklist for you below.
Think of this as a gentle reminder, not a to-do list to stress over 🙂

A simple CPF + SRS year-end checklist ✅

1️⃣ Top up CPF Special Account (SA)

  • Up to $8,000 tax relief

  • 4% guaranteed interest

  • Cannot exceed the Full Retirement Sum (FRS)

This is one of the most boring moves — and also one of the most powerful for long-term compounding.

2️⃣ Top up CPF Medisave (MA)

  • Also earns 4% interest

  • Shares the same $8,000 tax relief cap as SA

  • Cannot exceed the Basic Healthcare Sum (BHS)

Healthcare + tax planning in one single decision.

3️⃣ Top up CPF for loved ones

  • Extra $8,000 tax relief

  • Parents, grandparents, spouse & siblings*

  • Applies to SA / RA / MA only

*Children & extended family aren’t eligible for tax relief

This is one of the most meaningful ways I see people support family and plan wisely.

4️⃣ Contribute to SRS

  • SG Citizen / PR cap: $15,300

  • Foreigner cap: $35,700

  • Most useful if you’re in a higher tax bracket
    (Generally above ~$120k income)

SRS shines when you understand how it fits into your bigger plan — not as a random top-up.

5️⃣ Please don’t forget to invest your SRS

This part is huge.

Uninvested SRS earns 0%.

Personally:

CPF and SRS aren’t “stuck money” —
they’re long-term capital, if you know how to invest them properly.

6️⃣ Check your tax relief cap

CPF + SRS fall under the $80,000 annual personal tax relief cap.

Already maxed out?
→ Then there’s no additional tax benefit from topping up more.

Simple, but often overlooked.

7️⃣ Read this before you top up

  • CPF top-ups are irreversible

  • Early SRS withdrawals come with penalties

And that’s exactly why I love investing CPF & SRS.

Because:

  • You have a long time horizon

  • You don’t need to rush

  • Calm, disciplined investing works beautifully here

I’ve been compounding my CPF & SRS at about 12% annualised, and my personal goal is simple:

If you want to learn how to do this step by step

I know CPF & SRS investing can feel confusing:

  • What can you actually invest in?

  • What’s safe vs unnecessary risk?

  • How do you build returns without gambling?

That’s why I created my 7-Course Investing Bundle.

Inside, I walk you through:

  • How to invest CPF OA & SRS properly

  • How I choose ETFs for long-term compounding

  • How to build returns calmly, without over-trading

  • How all of this fits into a bigger, sustainable wealth plan

No hype.
No shortcuts.
Just clear guidance — the Arigato way.

If you’ve been meaning to “get CPF & SRS right” but didn’t know where to start, this is a gentle place to begin.

Take your time.
Re-read this email if you need.
And make the decisions that future-you will quietly thank you for.

Meanwhile, check out this 👇️ 

Hands Down Some Of The Best 0% Intro APR Credit Cards

Balance Transfer cards can help you pay off high-interest debt faster. The FinanceBuzz editors reviewed dozens of cards with 0% intro APR offers for balance transfers and found the perfect cards.

Take a look at this article to find out how you can pay no interest on balance transfers until 2027 with these top cards.

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. 💛

Put Interest On Ice Until 2027

Pay no interest until 2027 with some of the best hand-picked credit cards this year. They are perfect for anyone looking to pay down their debt, and not add to it!

Click here to see what all of the hype is about.

Reply

or to participate.