FSMOne SRS Account 2026: How to Invest Your SRS Funds With FSMOne

A step-by-step guide to linking your SRS account to FSMOne, what it costs, and what you can buy — stocks, ETFs, and unit trusts, all on one platform.

FSMOne (formerly Fundsupermart.com) lets you invest your SRS funds directly in SGX-listed stocks, ETFs, and over a thousand unit trusts — all with a permanent 0% sales charge on funds and a flat S$8.80 fee for SGX stock trades. You link your existing DBS, OCBC, or UOB SRS account to FSMOne in 1-2 business days, then switch your payment mode to “SRS” when placing a trade. It’s the most self-directed option of the three major SRS-compatible platforms in Singapore.

Not financial advice. All figures are for educational reference only. Data as at July 2026 unless noted.

Table of Contents

What Is FSMOne?

FSMOne is the investment platform run by iFAST Financial Pte Ltd, part of iFAST Corporation — a company listed on the Singapore Exchange. You might know it by its older name, Fundsupermart.com. It’s been around since 2000 and is regulated by the Monetary Authority of Singapore (MAS) under a Capital Markets Services Licence.

Unlike Endowus or Syfe, which build and manage a portfolio for you, FSMOne is a self-directed platform. That means you pick your own SGX stocks, ETFs, and unit trusts, and you decide how to allocate your SRS funds across them. If you already have investing experience and want full control, this is the appeal. If you’d rather have someone else manage the allocation, a robo-advisor like Endowus or Syfe may suit you better — more on that comparison below.

Key Facts at a Glance

Source: FSMOne pricing structure and SRS account pages (secure.fundsupermart.com), July 2026

How to Link Your SRS Account to FSMOne

FSMOne doesn’t open an SRS account for you — you need an existing SRS account with one of the three approved SRS operators first. Here’s the process from start to finish.

Step 1: Open an SRS account with your bank (if you don’t already have one). Choose one of DBS/POSB, OCBC, or UOB. This can usually be done instantly through your bank’s mobile app or internet banking if you’re already a customer.

Step 2: Open an FSMOne account. If you don’t already have one, sign up online — this takes about 10-15 minutes and requires Singpass MyInfo verification.

Step 3: Link your SRS account inside FSMOne. Log in and go to Account Settings > Account Update > Bank/CPF/SRS Details. Click the CPFIS/SRS tab, then “Add CPFIS/SRS Now”. Select “Supplementary Retirement Scheme Account (SRS)”, choose your SRS operator (DBS, OCBC, or UOB) from the dropdown, and key in your SRS account number.

Step 4: Wait for approval. This typically takes 1-2 business days. Once approved, your SRS account appears as a funding option on the platform.

Step 5: Switch your payment mode to SRS when trading. When you place an order, change the “Payment Mode” or “Settlement” option from “Cash” to “SRS” before confirming. This tells FSMOne to draw funds from your SRS account instead of your regular cash account.

Fees and Costs

FSMOne’s biggest selling point is its cost structure — it’s genuinely cheaper than most bank-distributed platforms for fund investing, and it’s transparent about stock trading fees too.

Unit trusts: 0% sales charge, permanently. Many bank-distributed unit trusts still carry a sales charge of 1%-3% when you buy in — that’s money deducted before your investment even starts working for you. On a S$15,300 SRS contribution (the maximum annual amount for Singapore Citizens and PRs), a 3% sales charge would cost you S$459 upfront. FSMOne charges nothing on that entry.

SGX stocks: flat S$8.80 per trade. This doesn’t scale with trade size, so the effective cost falls the larger your trade — see the chart below.

Platform fee for unit trusts and bonds. This is charged daily and deducted quarterly, based on your combined FSM Global unit trust and bond holdings. It’s tiered by how much you hold with FSMOne — the more you have, the lower the tier, and it drops to 0% once you cross S$500,000 in assets under administration (the “Diamond” tier). For most everyday SRS investors starting out, expect a modest annual platform fee on unit trust holdings until you reach that tier — check FSMOne’s live pricing page for your exact bracket, since it changes with your account size.

FSMOne also periodically runs SRS-specific promotions, such as cash account credits for investing SRS funds in unit trusts or ETFs during a limited window. These promotions rotate throughout the year and aren’t always active — check FSMOne’s Promotions page for what’s currently live before you fund your account, since as at July 2026 there wasn’t a dated SRS-specific promo running.

What Can You Invest In With SRS via FSMOne?

This is where FSMOne differs most from Endowus and Syfe. Instead of a curated model portfolio, you get access to a full menu and build your own mix:

• SGX-listed stocks — buy individual Singapore-listed shares directly, including S-REITs.
• SGX-listed ETFs — including the STI ETF, S&P 500-tracking ETFs, bond ETFs, and REIT ETFs.
• Unit trusts — one of the widest fund selections available in Singapore, spanning equity, bond, and multi-asset funds from many different fund houses, all at 0% sales charge.
• Singapore Government Securities and bonds — where offered, for a more conservative SRS allocation.

You can’t use SRS funds to buy US-listed or other foreign exchange-listed stocks directly through FSMOne — SRS investment rules restrict eligible instruments to SGX-listed securities, unit trusts, and a defined list of other approved products. If you want an S&P 500 exposure with SRS money, you’d use an SGX-listed S&P 500 ETF, not a US-listed one like VOO.

FSMOne vs Endowus vs Syfe for SRS

All three platforms accept SRS funds, but they solve different problems. Here’s how they stack up.

If you want a done-for-you SRS portfolio, read our Endowus SRS Account guide or our Syfe SRS Account guide — both walk through their respective portfolio options and fees.

SRS Tax Savings — What You Actually Get

Regardless of which platform you use, the tax relief on SRS contributions works the same way — this part isn’t FSMOne-specific. Every dollar you contribute to your SRS account (up to S$15,300 a year for Singapore Citizens and PRs) reduces your chargeable income dollar-for-dollar, which lowers your income tax bill at your marginal tax rate.

Here’s what that looks like in real numbers, assuming you contribute the full S$15,300 in a year:

Source: IRAS individual income tax rates (YA2024 resident rates), TKN calculation, July 2026

This relief happens the moment you contribute — it’s separate from any investment returns you earn afterward. Whichever platform you invest through, the relief itself doesn’t change.

Risks and Limitations

SRS comes with real trade-offs, and being self-directed on FSMOne adds a layer most robo-advisor users don’t have to think about.

Your money is locked in. Withdraw from SRS before your statutory retirement age (based on the age in force when you first contributed) and you’ll pay a 5% penalty, plus the full withdrawal amount becomes taxable — not just 50% as it would be at retirement. There are limited exceptions, such as terminal illness, bankruptcy, or death.

You’re on your own for stock and fund selection. Unlike Endowus or Syfe, FSMOne doesn’t manage a portfolio for you. If you pick badly, diversify poorly, or panic-sell during a downturn, there’s no auto-rebalancing to correct it. This suits confident, experienced investors far better than beginners.

Withdrawals from age 63 (or your applicable statutory retirement age) are still 50% taxable if spread over 10 years — SRS reduces your tax bill, it doesn’t eliminate it. Withdraw too much in one year and you could push yourself into a higher tax bracket on that portion.

Platform and counterparty risk is limited but not zero. FSMOne is MAS-regulated and client assets are held separately from company assets, which is standard practice for licensed platforms in Singapore — but no platform is entirely risk-free.

Who Should Use FSMOne for SRS?

FSMOne is a good fit if you:

• Already have experience picking stocks, ETFs, or funds and want full control over your SRS allocation
• Want to hold individual SGX-listed S-REITs or stocks inside your SRS account — something Endowus and Syfe don’t offer
• Are cost-sensitive and want to avoid sales charges entirely, or trade stocks at a predictable flat fee

Consider Endowus or Syfe instead if you:

• Prefer a managed, diversified portfolio without having to research and rebalance it yourself
• Are newer to investing and want a simpler “set contribution amount, pick a risk level, done” experience
• Want your SRS money automatically diversified globally rather than concentrated in SGX-listed instruments

If you’re still building your broader retirement plan, our CPF investment strategy guide and retirement planning calculator are good next stops — SRS is only one piece of the picture alongside CPF. It’s also worth comparing SRS cash yields directly against your options: see our SRS account interest rate guide for why leaving SRS funds uninvested costs you more than most people realise.

Frequently Asked Questions

Ready to Put Your SRS Funds to Work?

Link your SRS account to FSMOne and start investing in SGX stocks, ETFs, and unit trusts today.