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Worth Topping Up To SRS If You Are Retiring Early?
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🌟 Is it worth topping up your SRS to save on taxes, even if you're planning to retire early? Absolutely! 💰 Despite a 5% early withdrawal penalty, here's why it makes financial sense:
Let's break it down:
💸 Earning $100k? Contributing $15,300 to SRS saves you $1,759.50 in taxes.
👴 Fast forward to retirement at 40 (as a Young Ah Pek, not Old!), withdrawing $200,000 from SRS. With $0 from your day job and $20,000 from SRS annually, you stay in the 0% tax bracket.
Yes, there's a $1,000 penalty, but compared to the $1,759.50 saved in taxes, it's a win!
💡 Conclusion: Topping up to SRS is a smart move, even for early retirees.
