苏36
11:56
For me, the most interesting part of SRS is that it can turn today’s tax savings into tomorrow’s retirement capital.

The real opportunity is not simply contributing to SRS, but giving that money enough time to compound. With a 10–20 year horizon, even a relatively modest annual return can make a meaningful difference when returns are reinvested consistently.

If I had $100,000 in SRS, I would favour a diversified portfolio built around broad-market ETFs, quality dividend stocks and REITs. This combination could provide both long-term capital growth and potential retirement income.

What I like most about the SRS concept is the three-stage effect: reduce taxable income today, allow investments to compound over time, and eventually use the accumulated assets to support retirement cash flow.

To me, SRS is therefore more than a tax-saving scheme—it is a structured way to make today’s income work for tomorrow’s financial freedom.

@TigerClub [龇牙]

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