ARKI SRS

Grow your SRS savings with a plan that moves with you

Give your SRS room to grow while retirement is still years away. As you get closer, we'll gradually shift your investments towards a steadier mix to help manage risk.

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A woman reads in her garden while her ARKI SRS glide path shifts from growth towards more stability

A retirement portfolio that thinks ahead

Tax savings are just the beginning

Uninvested SRS cash typically earns around 0.05% p.a. in bank interest. Put it to work in a diversified investment portfolio designed with your retirement in mind.

Because no two retirements look the same

Your age, SRS retirement age and comfort with risk help shape your investment mix, so your portfolio is built around more than just a standard retirement plan.

Less managing. More living.

As retirement gets closer, your portfolio gradually adjusts to help manage risk. We handle the ongoing monitoring and portfolio rebalancing, so you don't have to.

Someone on a sofa checking their ARKI SRS glide path on their phone

The glide path

A portfolio that knows when to shift gears

Your investment needs change as retirement gets closer. Our glide-path strategy gradually shifts your portfolio from growth-focused investments towards more defensive assets, with your retirement timeline and risk profile guiding the way.

See how your portfolio evolves

Choose a risk level and move along the timeline to explore how your investment mix could change as retirement approaches.

Room to grow

With more time before retirement, your portfolio can allocate more towards growth-focused investments, depending on your risk profile.

Finding a balance

As retirement gets closer, your portfolio gradually reduces its exposure to equities and adds more defensive investments.

A steadier approach

With less time to recover from market swings, your portfolio places greater emphasis on managing risk while maintaining some potential for growth.

Equities–

Fixed income–

Cash–

Age 40

Age 29Retirement age (64)

Note: This chart is for illustration only. Actual allocations depend on your retirement timeline, assessed risk profile and market conditions. A more defensive allocation does not eliminate investment risk. Returns are not guaranteed.

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How portfolios like these have performed

Illustrative 3- and 7-year annualised returns from backtested portfolios with comparable investment allocations.

Early career

19.60%

3-year annualised return

Young gold tree with Arki coins among its leaves

Mid career

17.13%

3-year annualised return

Near retirement

8.56%

3-year annualised return

Note: Figures reflect simulated historical performance based on backtested portfolios with comparable investment allocations, as at 30 September 2026. They do not represent actual investment returns or the performance of ARKI SRS portfolios. Backtested results are hypothetical, may not reflect actual trading conditions and are not indicative of future performance. Actual returns may differ.

More invested. Less in fees.

Grow above S$100,000 and enjoy a lower management fee on your entire ARKI SRS portfolio, not just the amount above it.

S$100,000 and below

0.60%p.a.

Above S$100,000

0.40%p.a.

Give your yearly tax bill a little trim

See how much you could save in income tax with your SRS contributions.

Yearly income

Your total annual income before tax.

How much you put into SRS

Up to your applicable yearly SRS contribution limit (S$15,300).

Other tax reliefs you claim

For example, CPF contributions, earned income relief and parent relief.

You could save about

S$0

in income tax this year.

That’s approximately S$0 less towards your tax bill, based on the details you’ve entered.

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Note: This calculator provides an estimate based on prevailing Singapore resident income tax rates. SRS tax relief is only available to Singapore tax residents. Actual savings depend on individual circumstances, applicable SRS contribution limits, the overall personal income tax relief cap and IRAS rules. It does not account for tax rebates or all tax circumstances and is not personalised tax advice.

Got questions about SRS? We've got people for that.

Not sure where to start or how to make the most of your SRS? Our advisors can help you make sense of your options and plan your next steps.

Speak to an advisor

A smiling woman talks through her plans with an Arki advisor at a table

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LIVEFree Webinar

Beyond SRS Tax Relief: Investing Smarter for Retirement

Learn how to invest your SRS, adjust your strategy as retirement approaches, and make it work alongside your CPF.

18 November 20267PM – 8PM (SGT)

Calvin Neo, Head of Client Advisory at Arki

Calvin NeoHead of Client Advisory, Arki

Frequently asked questions

Clear answers to the questions we hear most.

What is ARKI SRS?

ARKI SRS is a professionally managed investment portfolio for your Supplementary Retirement Scheme (SRS) savings. It’s built around your retirement timeline and assessed risk profile, with an investment mix designed to evolve as you get closer to retirement.

How is ARKI SRS different from a regular investment portfolio?

ARKI SRS follows a glide-path strategy designed around your retirement timeline. Rather than maintaining the same investment mix throughout your retirement journey, your portfolio gradually shifts from growth-focused towards more defensive investments as retirement approaches.

What is a glide path, and how does it work?

Think of it as a roadmap for how your investments change over time. When retirement is further away, your portfolio may hold more growth-focused investments. As retirement gets closer, it gradually shifts towards more defensive assets to help manage risk.

What will my SRS savings be invested in?

Your portfolio invests in a globally diversified mix of equities, bonds and gold, using funds from established investment managers including Amundi, Dimensional, Manulife and Lion Global. The exact allocation depends on your retirement timeline and assessed risk profile.

Can I invest SRS savings I’ve already contributed?

ARKI SRS is intended to support investing eligible SRS savings, including contributions you’ve already made. The exact funding and onboarding steps will be confirmed before launch.

What are the fees for ARKI SRS?

The management fee is 0.60% p.a. for portfolios of S$100,000 and below, and 0.40% p.a. for portfolios above S$100,000. The applicable rate is based on the total value of your ARKI SRS portfolio and applies to your entire portfolio balance. Underlying fund expenses and other third-party charges, such as foreign exchange costs, are separate.

Still need help?

Grow your SRS savings with a plan that moves with you