新加坡 | 如何用CPF账户投资Tbills?

如果你只有一分钟时间:

  • 投资国债很简单哦。您可以使用现金、SRS 和 CPFIS 资金进行投资。
  • 使用CPF进行投资时,需要计算出国债的“盈亏平衡”收益率,以确保做出好的投资。
  • 可以对通过市价来拍卖发行的国债。

在过去两年大部分时间里,新加坡政府发行的国债(T-bills)激起了投资者的兴趣,无论其风险状况如何。2023 年 10 月的 1 年期国债截止收益率为 3.7%,2023 年 9 月的 6 个月期国债收益率为 4.07%。

简而言之,国债是一种安全的短期投资选择,咱们可以用它来实现投资组合的多元化。

它们是新加坡政府证券(SGS),以低于面值的价格发行。政府发行 6 个月期和 1 年期国债,最低投标金额为 1,000 新元。咱们可以使用现金、补充退休计划 (SRS) 基金和公积金投资计划 (CPFIS) 基金购买国债。

 

如果您准备投资国债,您该如何申请?

 

1、国债发行

根据金管局网站上的发行日历,6 个月期国债通常每两周发行一次,1 年期国债每季度发行一次。每个申请人的最低申请金额为 1,000 美元,最高申请金额为 100 万美元。

投资者可以通过拍卖购买国债。拍卖通常在发行前3 个工作日进行,并在拍卖前5 个工作日在 SGS 网站上公布。

申请之前,请确保您的帐户中有足够的资金。对于使用现金资助的新股申请,全额投标金额将在申请时从您的账户中扣除。

通过 ATM、网上银行和手机银行应用程序进行的申请可能会在拍卖前1 至 2 个工作日关闭 ,因此您应该向您的银行查询不同申请渠道的确切截止时间。

 

2、使用CPF账户资金投资国债

由于 CPF-OA 的年收益率至少为 2.5%,而 CPF-SA 的年收益率至少为 4%,您是否应该使用 CPF 资金投资国债?

如果您年满55岁或以上,请注意,当您从公积金-OA中提取现金并投资国债时,当国债到期时,它们将以现金形式支付给您。即使您希望将来将一次性款项存回您的公积金 OA 中,您也无法这样做哦!

所以最好的做法,是通过公积金投资计划(CPFIS)将您的公积金-OA储蓄投资于国债,这样投资的CPF资金将在到期时返回到各自的公积金账户,这样才能确保自己的退休越来越多。

值得注意的是,我们得花时间了解将公积金余额投资于国债的潜在风险,需要计算出使用公积金储蓄的国债的“收支平衡”收益率。

部分原因是公积金余额的利息计算受到您公积金账户中交易的影响。本月收到的钱将从下个月开始赚取利息,本月提取/扣除将不会从本月起赚取利息。

根据从您的公积金账户中扣除的时间,您可能会损失最多两个月的公积金利息。考虑到这一点,当国债收益率高于 CPF-OA 和 SA 收益率的时候,我们才选择用CPF去做投资哦!

投资国库券

投资国库券

请注意,银行对使用 CPF-OA 资金的每笔交易收取 2.50 美元 + GST 的一次性费用,并且每个柜台每季度收取 2 美元的服务费。使用 CPF-SA 资金申请不收取任何费用。

当您准备好开始时,您可以用您的 CPF-OA 和 CPF-SA 资金投资公积金投资计划 (CPFIS) 下的国债,如果您:

  • 年满 18 岁;
  • 并非未获解除破产的破产人;
  • 已完成CPFIS自我意识调查问卷(SAQ)(自2018年10月1日起适用于新投资者)

我们可以在 OA 中预留 20,000 新币后,将剩余的 OA 储蓄进行投资;在 SA 中预留 40,000 新币后,将剩余的 SA 储蓄进行投资。使用 CPFIS 资金投资国债须遵守 CPF 投资准则。

要了解您可以投资多少 OA 和 SA 储蓄,请尝试以下方法:

  1. Log in to my cpf digital services with your Singpass > Select my cpf > My dashboards > Investment
  2. Log in to CPF Mobile app with your Singpass > Select My Investment; or
  3. Visit any CPF Service Centre with your identity card.

要使用您的 OA 资金进行申请,您首先需要在银行开设一个公积金投资账户。然后,您可以使用银行网上银行或手机银行进行申请。

3、国债结果

拍卖结束后,您可以在大约一小时后在发行日历上查看拍卖的汇总结果。

国债将在结果公布后 3 个工作日内发行。

如果您竞标成功,证券将在发行日期后反映在您各自的账户中。

  • 对于现金申请:您可以查看您的 CDP 对账单
  • 对于SRS申请:您可以查看您的SRS的报表
  • 对于CPFIS-OA申请:您可以查看银行发送的CPFIS对账单
  • 对于 CPFIS-SA 申请:您可以查看您的 CPF 报表

如果您的出价不成功或无效,款项将退还至您用于申请的账户。退款将在拍卖日后1 至 2 个工作日内反映在您的帐户中。

与所有投资一样,在投资之前,请考虑国债是否符合您的投资目标、风险承受能力、投资期限、整体财务状况和机会成本。

 

4、当你的国库券到期时

为确保您仅损失额外一个月的公积金利息,请在国库券到期时及时将资金从您的投资账户转回您的公积金 OA 账户,或者及时买入下一期的国债。

否则,金额可能需要大约 2 个月的时间才能自动转入您的 OA。

 

5、如何申请呢?

这里以DBS为例,给大家示范一下哦。

  • 在申请期间,请在办公时间(周一至周六,上午 7 点至晚上 9 点,周一至周六,公众假期除外),登录 digibank 。
  • “投资”下,点击SGS

新加坡 | 如何用CPF账户投资Tbills? — Engage

  • 选择国库券SGS 债券
  • 选择国库券或 SGS 债券的发行代码,然后点击“应用”

新加坡 | 如何用CPF账户投资Tbills? — Engage新加坡 | 如何用CPF账户投资Tbills? — Engage

  • 选择您的国籍

新加坡 | 如何用CPF账户投资Tbills? — Engage

  • 选择market price并输入您的投资金额 (1,000 新元的倍数,上限为 1,000,000 新元)
  • 选择您的付款方式
    • CPFIS-OA 仅适用于新加坡/永久居民星展银行公积金投资账户持有人
    • SRS仅适用于 SRS 账户持有人
    • 对于现金支付,选择您的借记帐户并输入您的CDP 帐号
  • 验证您的申请详细信息,然后点击提交以确认您的申请。

新加坡 | 如何用CPF账户投资Tbills? — Engage

  • 您可以检查您的银行注册电子邮件以确认您的申请提交是否成功。

 

 

最后祝大家钱包越来越鼓!

 

 

#新加坡公积金 #新加坡CPF #新加坡永久居民 #新加坡公民

#新加坡投资 #海外配置 #新加坡保险 #新加坡理财

你的宝库管家

Jolysse邬宇思

微信:Yusi_Wo / WhatsApp:90088276

新加坡全牌照理财顾问

Representing Financial Alliance Pte Ltd

Singapore Largest Independent Financial Adviser

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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您好。我是宇思,您也可以叫我Jolysse。

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  • 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
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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