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成为新加坡PR或公民的你收到第一件CPF Welcome Letter ❤️

恭喜你们🎉 经过长夜漫漫的日子，终于成功拿到新加坡公民或PR了👏🏻💪🏻🥳

当你成为公民或PR的时候，就必须缴交一部分的薪水到公积金，也就是CPF。在新加坡，CPF有3个户口，分别是，普通户口Ordinary Account,

特别户口Special Account 和

医药保健 Medisave。

Medisave – 医药保健：

就是专门用在医疗上的。你可以使用它来缴交你的医药费，住院保险等等。PR 的第一年，你会收到letter通知你要top up你的 Medisave。

这是用来缴交Medishield Life的保费。

Medishield Life – 终身健保：

是新加坡政府强制所有国人和PR必须购买的医疗保险。它提供最基本的医疗保障。新加坡政府深知医疗保险的重要性。为了确保所有公民与PR可以有最基本的保障而推出的national program。但由于这仅仅是最基本的保障，当有重大医疗事故发生时，例如癌症，长期住院和重大手术时，Medishield Life 往往起不到太大的作用。

但是！

你是可以使用Medisave来提升这个住院保障，以确保事情发生时，这个医疗保险能足够的帮你支付医药费。你不需要担心动用到自己的储蓄，让庞大的医药费吞噬我们的血汗钱！😱

我本身也是马来西亚人成功拿到PR到现在新加坡公民☺️

所以非常了解你们的状况，如果你还没有用medisave upgrade的话，我可以帮你哦～不妨留言私讯我哦，希望以我的过来人的身份能够帮到你们哦😉

 

 

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Disclaimer: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs.
This publication has not been reviewed by the Monetary Authority of Singapore

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Teo Zandra 张倩云

大家好，我是一位理财顾问代表，致力于帮助人们为他们的亲人留下珍贵的财富传承。我深信，我们每个人都应该思考如何在我们离开这个世界之后，给我们所爱的人留下一份真正有意义的遗产。

作为理财顾问，我致力于帮助人们制定个性化的财务计划，以确保他们的财富能够持续增长，并为他们的亲人提供长远的福利。我不仅关注投资和财务策略，还注重风险管理和遗产规划，以确保财务目标得以实现。

我相信任何人都可以通过该财务规划实践来取得财务上的成功，并保障爱的人。

我了解每个人的财务需求都是独特的，因此我会与您合作，深入了解您的目标、价值观和优先事项，以制定适合您的个性化解决方案。我将与您建立信任和长期的合作关系，以便您能够安心知道您的财务未来处于专业的指导之下。

我的目标是帮助您建立一个可持续的财务基础，让您的爱人们在您离开后能够继续过上安全、舒适的生活。无论是教育基金、养老金、保险计划还是遗产规划，我都将为您提供专业的建议和全面的支持，确保您的财务遗产能够为您所爱的人提供持久的帮助和支持。

如果您希望为您的家人建立一个有意义的财务遗产，我很愿意为您提供帮助。请随时与我联系，我们可以共同制定一个符合您需求的财务计划，以确保您的遗产能够为您所爱的人留下一个可贵的传承。

 

联系我 😊

 

 

Hello everyone, I am dedicated to helping clients achieve financial security, plan for their future, and preserve their legacies.

I provide comprehensive and personalized advice to help clients navigate the complexities of their finances and make informed decisions.

As a financial consultant, my primary goal is to help individuals like you to achieve your financial objectives and lead a financially stable life.

Secondary, to build a sustainable financial foundation that allows your loved ones to continue living a secure and comfortable life after you’re gone. I work closely with you to develop tailored financial plans that encompass short-term and long-term goals. Whether it’s retirement planning, investment strategies, or debt management, I offer professional guidance to optimize financial growth and minimize risks with comprehensive support

I believe that anyone can achieve financial success through the practice of financial planning and provide security for their loved ones.

 

Contact me

 

 

 

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
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  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策