Invest in Singapore stocks with cash, CPF, and SRS all in one place

This post was created in partnership with Tiger Brokers Singapore. All views and opinions expressed in this article are Beansprout's objective and professional opinions.

What happened?

I noticed a renewed interest in Singapore stocks, and not just for collecting dividends.

Once seen mainly as the “stable income” portion of a portfolio, Singapore equities are increasingly being reconsidered for both income and growth as global valuations and risks are reassessed.

At the same time, retirement planning is top of mind, with CPF and SRS forming the backbone of long-term savings for most Singaporeans.

Yet investing CPF and SRS funds can still feel fragmented. 

Cash, CPF, SRS, and CDP holdings are often spread across different platforms, adding friction and making it harder to see the full picture when building a long-term Singapore stock portfolio.

More investors are exploring how to invest these funds prudently, without the friction of higher fees, extra steps, or limited tools that traditionally came with agent banks and select brokerages.

With Tiger Brokers launching CPF and SRS investing in August 2025, you can now access Singapore stocks using cash, CPF-OA, and SRS funds on a single platform.

This makes it easier to build a Singapore stock portfolio for both growth and income, while managing all three funding sources in one place.

Here’s what to look out for when choosing a platform to invest your cash, CPF, and SRS, and how Tiger Brokers fits into that journey.

Get an exclusive S$50 FairPrice voucher and up to S$1,000 in welcome rewards when you sign up for Tiger Brokers through Beansprout. Learn more about the promotion here. 

What to look for when investing your CPF and SRS in Singapore stocks

#1 – Low and transparent fees 

Pay attention to brokerage commissions, platform fees, and custody charges for holding SGX stocks. 

Some brokers charge quarterly custody fees, often around S$2 per quarter if you are inactive. 

While this may seem small, recurring costs can add up over time, especially when building a long-term portfolio.

Choosing a platform with minimal ongoing charges helps keep more of your returns invested.

#2 – Easy-to-use tools to screen and track CPF/SRS eligible stocks

Not every Singapore-listed stock is eligible for CPF-OA or SRS investing. 

A platform should make it easy to filter eligible counters alongside fundamentals such as dividend yield, sector, market capitalisation, and performance.

Equally important is portfolio visibility. 

Being able to track your cash, CPF, and SRS holdings together helps you understand overall exposure and balance income and growth more intentionally.

#3 – Clear, digestible news updates and smart summaries

When investing retirement funds, staying informed matters, but information overload can make decision-making harder.

A good platform should surface relevant company updates and macro developments in a clear, concise way, helping you stay updated without feeling overwhelmed.

#4 – Ease of managing your investments

Many Singapore investors end up managing cash investments on one app, CPF and SRS through agent banks, and CDP holdings elsewhere.

This fragmentation makes it harder to monitor allocation, performance, and risk.

An effective platform should simplify this by offering a consolidated view of your Singapore stock holdings across funding sources, making it easier to stay aligned with long-term retirement goals.

Learn more about investing your cash, CPF and SRS in Singapore stocks with Tiger Brokers. 

How Tiger Brokers supports CPF and SRS investing in Singapore stocks

#1 – No SGX custody fees

Tiger Brokers does not charge custody fees for SGX stocks.

Some brokers impose small quarterly custody charges, especially for inactive accounts. 

From 23 July 2025 onwards, Tiger waived the S$2 SGX custody fees, removing this recurring cost for investors holding Singapore shares.

For long-term investors, avoiding ongoing custody charges can help reduce portfolio drag over time.

Tiger also offers competitive trading fees for Singapore stocks and ETFs using cash:

Through the Tiger Brokers Cash Boost account, you can invest your CPF and SRS funds with the following fees:

While Tiger Brokers may not always be the lowest-cost option for CPF and SRS investing, the platform’s value lies in consolidation.

The platform streamlines Singapore stock trading, enabling investors to buy and sell using cash, CPF-OA, and SRS funds, and to sell stocks from linked CDP accounts, without the need to juggle multiple platforms.

#2 – All-in-one platform for cash, CPF, and SRS

Through its Cash Boost account setup, Tiger Brokers enables investors to trade eligible Singapore stocks using cash, CPF-OA, or SRS funds within one app.

This removes the need to maintain separate broker accounts or switch platforms depending on the funding source.

From a practical standpoint, this simplifies both planning and execution.

When adding to a position or rebalancing a Singapore stock portfolio, you can choose the appropriate funding source at the point of trade, while CPF and SRS rules are handled in the background.

Bringing cash, CPF, and SRS investments together also improves portfolio visibility.

Instead of treating each pool of money as a separate silo, you gain a clearer view of their overall Singapore equity exposure. 

This supports more intentional decisions around income versus growth over time.

This setup is especially useful for building long-term, Singapore-centric portfolios.

When a strategy involves gradual accumulation, dividend reinvestment, and periodic rebalancing, reducing friction helps you stay consistent. 

Invest in Singapore stocks with cash, CPF and SRS with Tiger Brokers. 

#3 – Ability to sell existing CDP holdings

For investors with Singapore stocks held in their CDP account, Tiger offers a practical way to sell these holdings directly through its platform.

By linking your CDP account to Tiger, you can execute sell orders without first transferring shares out of CDP.

Selling SGX-listed securities in CDP is charged at 0.10% commission (minimum S$4.99) plus a 0.12% platform fee (minimum S$5).

To put this into perspective, selling S$1,000 worth of CDP-held shares could cost around S$9.99 to S$10, depending on applicable minimums.

By comparison, many traditional bank brokerages charge around 0.25% with a S$25 minimum, resulting in higher costs for the same trade.

Convenience is another key consideration.

 Once CDP is linked, investors can manage sell orders directly from the app without additional administrative steps.

It is worth noting that Tiger’s CDP linkage currently supports selling only. 

New Singapore stocks purchased via Tiger are held under Tiger’s custody by default, though investors can choose to transfer them to CDP later if they wish for a fee. 

Overall, CDP sell-through on Tiger helps investors consolidate their Singapore stock activity while potentially lowering selling costs, particularly for those exiting smaller positions or managing multiple legacy holdings.

#4 – Mobile-first screening with clear CPF and SRS eligibility

Not every Singapore-listed stock is eligible for CPF and SRS investing, and the ability to filter and identify suitable counters quickly can save significant time.

Within the Tiger app, investors can screen Singapore stocks by sector, dividend yield, market capitalisation, and performance.

Crucially, CPF- and SRS-eligible stocks are also clearly tagged. 

The combination of mobile-first design, clear eligibility labelling, and in-app research tools makes it easier to build a portfolio intentionally, especially if you’re managing retirement funds alongside cash investments.

#5  – AI-powered summaries to reduce information overload

TigerAI is an AI-powered investing assistant built into the app, designed to help investors digest information more efficiently.

Instead of sifting through dense reports or multiple news sources, investors can ask questions and receive plain-English summaries.

For example, asking “What’s the latest on DBS Bank?” can surface key updates from recent news and filings in a concise format.

TigerAI can also help explain broader macro events.

A query about a Federal Reserve rate decision, for instance, can return a clear breakdown of what happened and why it matters. This allows you to cut through conflicting headlines.

During earnings season, the tool can summarise results quickly, highlighting headline numbers, dividend changes, and key risks. 

While AI summaries are still a starting point, they help reduce information overload and support steadier, more disciplined decision-making. 

Tiger Brokers' perks for Singapore investing

#1 – Transfer in and earn stock cash coupons up to S$2,500, with S$200 fee subsidy

Tiger Brokers’ transfer-in programme offers up to S$2,500 in stock cash coupons, with rewards scaling based on the value transferred.

To reduce switching friction, Tiger also subsidises transfer-out fees up to S$200, helping offset costs that many brokers charge per stock transferred.

The coupons can be used to offset trading fees, effectively lowering overall investing costs.

Do note that a 90-day holding period applies before the vouchers can be claimed.

#2 – 180 days of free SGX Level 2 market depth data

Tiger offers 180 days of free SGX Level 2 market depth data, giving investors visibility into the order book beyond just last traded prices.

Level 2 data shows bid and ask queues, which can be useful when placing orders, especially during volatile periods or when timing entries more carefully.

While long-term investors may not rely on it daily, the six-month access provides a practical way to assess whether this data adds value to your investing process before deciding whether to subscribe later.

#3 – 2.80% p.a. SGD margin financing (use leverage with caution)

Tiger offers SGD margin financing at 2.80% p.a., which is lower than the 4%–5% rates charged by many brokers.

This can reduce the cost of leverage for cash trades and potentially improve returns if investments perform well.

That said, leverage cuts both ways. Borrowing amplifies gains, but it can also magnify losses and expose investors to margin calls or forced liquidation if markets move against them.

Margin financing is therefore best suited for experienced investors who understand risk management and position sizing.
It is also important to note that margin does not apply to CPF or SRS investments, which are meant strictly for long-term retirement savings.

Find out more about these perks here. 

What would Beansprout do?

For investors building a Singapore-focused portfolio with cash, CPF, and SRS, a platform that is cost-effective, accessible, and easy to use can make a meaningful difference over the long term.

Beyond fees, the ability to invest consistently, stay informed, and manage everything in one place supports better decision-making and reduces friction.

This is where Tiger Brokers fits well.

 It combines reasonable costs with practical features, such as CPF and SRS investing, waived SGX custody fees, clear stock screening, and in-app insights with Tiger AI that help investors invest more intentionally.

The platform’s tools and consolidated view also make it easier to monitor portfolios, assess risks, and act on opportunities without unnecessary complexity. 

For investors who value clarity and usability alongside cost considerations, this balance can be more effective than optimising for fees alone.

If you’re interested to sign up for Tiger Brokers, you can sign up through Beansprout to receive an exclusive S$50 FairPrice voucher, and up to S$1,000 in welcome rewards from Tiger Brokers. Learn more about the promotion here. 

Disclaimers

The information expressed herein is current and does not constitute an offer, recommendation or solicitation, nor does it constitute any prediction of likely future stock performance. Investment involves risk. The price of investment instruments can and do fluctuate, and any individual instrument may experience upward or downward movements, and under certain circumstances may even become valueless. Past performance is not a guarantee of future results. In preparing this information, we did not take into account the investment objectives, financial situation or particular needs of any person or affiliated companies. Before making an investment decision, you should speak to a financial adviser to consider whether this information is appropriate to your needs, objectives and circumstances. Tiger Brokers assumes no fiduciary responsibility or liability for any consequences financial or otherwise arising from trading in securities if opinions and information in this document may be relied upon.

This advertisement has not been reviewed by the Monetary Authority of Singapore.