Would you use CPF or SRS funds with a robo-advisor, or keep retirement money in lower-risk options?

I do that. i think they are easy to use. manage the risk. low risk low returns.

Are you so busy that you're even letting a robot handle your finances?

I think robots don't have emotions. Entrusting your money to a robot is like putting your funds at high risk. You'd be better off buying all your money into one type of stock