Previously, I had talked about utilising your SRS funds and apply it to The Bedokian Portfolio, including using a core-satellite approach, lump them together as one big portfolio or keep them separated. For Part 2, I will touch on the withdrawal of the SRS account and its tax implications.   In a typical Bedokian Portfolio, where it is formed using your disposable income (which I will call it the “usually-funded Bedokian Portfolio”), the big advantage would be full flexibility. You can dictate when to start retiring and/or enjoy the passive income that comes from the dividend/coupon/interest payments.   For the SRS, however, you cannot do that. Premature withdrawal of funds (i.e. before the current statutory retirement age at the point of your first contribution to the SRS or without a valid reason as stipulated) from your SRS account will incur the full tax treatment and an additional 5% penalty.1 Ouch, ......