On 1 July 2026, Singapore’s statutory retirement age increases from 63 to 64. Buried within this change is a detail that matters for anyone who has not yet opened a Supplementary Retirement Scheme (SRS) account. Your SRS withdrawal age – the age at which you can access your SRS savings without penalty – is fixed at the statutory retirement age prevailing at the time of your first contribution. From 1 July 2026, that age becomes 64. In plain English – if you open an SRS account and contribute a minimum of S$1 by 30 June 2026, you lock in the current withdrawal age of 63 – for life. That gives you penalty-free access to your SRS savings a full year earlier, regardless of when you actually start contributing in earnest. For $1, I think that’s a no brainer. In this article, I wanted to discuss how the SRS works, why the withdrawal age lock-in matters, and why I think the S$1 top-up before the deadline is worth doing even...