Supplementary Retirement Scheme (SRS) is a voluntary scheme to save for retirement. It helps you to save tax with a few caveats, and since it’s December now I thought it’d be helpful to go through SRS before the year ends. For those who are unfamiliar with the scheme, I’ll run through how it works first before going into the pros and cons of it. Opening an account You can choose to open an account with one of the three operators (DBS, OCBC, or UOB), and contribute any amount at any time as long as you are within the contribution limit for the year. There really isn’t much difference between the operators as far as I can tell, so you could just pick one you’re familiar with. They do sometimes compete on promos, so that’s something you might want to shop around for. Do...