Removing STI ETF from my portfolio
Reading Time: 6 minutes Since 2016 the STI ETF has always been a part of my portfolio allocation, however I’m removing it going forward. Here’s why.
SRS
Optimal Withdrawal Strategy for FIRE in Singapore: Using CPF LIFE, SRS and Brokerage Account Together
Reading Time: 15 minutes Why bother thinking about an optimal withdrawal strategy? Well, what’s the point in saving and investing if we’re not going to enjoy the fruits of our labour? Eventually, once we’ve accumulated enough in our retirement accounts to meet our FIRE number, we can pull the trigger and start living off of the income that can … Read more
Dodge income tax (legally) on your path to FIRE in Singapore – Making use of the Supplementary Retirement Scheme (SRS)
Reading Time: 18 minutes Everybody has to pay income tax, but there’s no sense in paying more than you need to. What if there’s a perfectly legitimate way to reduce your tax obligations that is sanctioned by the Singapore government, would you take advantage of it? How would you even start? Well, the Supplementary Retirement Scheme (SRS) is one such way. In this article, I’ll be diving into the details on how SRS works, what you can do with it, as well as an example of how I will be incorporating it into my FIRE plan.