SRS : You open. I open

Uncle8888 was talking to one woman and realized she too has SRS account. She has contributed once; but she doesn't need to pay any income tax as her three Child Tax Relief has completely offset any income tax payable and still have balance to offset many more years of future income tax payable.

Hmm... Uncle8888 was puzzled and asked why you open SRS?

You open. I open. Follow the crowd?

Some folks better know why you need SRS and for what purpose