In last week's blog post on SRS Exit Strategy, I mentioned that the Supplementary Retirement Scheme (SRS) would benefit most investors except for super-investors in lower-income groups who could grow their portfolios by leaps and bounds. This is actually only a high-level analysis. The truth is, everyone, including the super-investors mentioned above, could benefit from SRS at some stage. Before we go into the details, let's recap this chart from the previous blog post, which shows that super-investors in lower-income groups actually benefit less from SRS compared to fellow investors in the same income group who do not invest as well. It is worth investigating the case of the super-investor in the $60,000 income group to understand why this is so and how everybody could maximise the benefits from SRS.

Change in Portfolio Value Due to SRS Assuming 35-Year Investment

The assumptions for the super-investor in this case study ......