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外国人必知的 SRS 账户：省税和投资神器！

1. 什么是SRS？

SRS（Supplementary Retirement Scheme）是一个自愿补充的退休储蓄计划。新加坡政府在2001年推出的一项自愿退休储蓄计划，给新加坡公民、永久居民和在新加坡工作的外国人参与，宗旨是帮助大家早日为退休生活做好财务准备。

从2022年7月1日起，新加坡的法定退休年龄从62岁提升到63岁。在7月1号后开启SRS账户和储蓄的话，需等到63岁才能领取退休金。政府还计划在2030年将退休年龄提升至65岁，代表在以后存入SRS的钱需等到更迟才能取出。所以尽早开设SRS账户，锁定当前退休年龄，是提前规划退休的关键。

 

2. 谁可以加入SRS？

新加坡公民、永久居民以及在新加坡工作的外国人都可加入SRS计划。

 

3. SRS的优势

SRS最大优势是省税！只要在12月31日前存款至SRS账户，便可在下一年报税时将该存款额从纳税收入中扣除。公民和永久居民每年可享最高15,300新币的税收减免，而外国人则享受35,700新币的税收减免。

例如，你是在新加坡工作的外国人，你的年收入为235,700新币，且当年存入35,700新币至SRS账户，那么其纳税收入将减少35,700新币，相当于节省6,783新币的税款。要注意的一点是新加坡个人所得税的减免上限为每年80,000新币。

 

4. SRS的提款条件

  1. 提前提款：若在法定退休年龄前（2022年7月1日之前为62岁，之后为63岁）从SRS账户中提款，不仅需缴回之前的税收减免，还需额外支付5%的罚款。医疗支出或身故提款可免罚。外籍人士在新加坡开设SRS账户超过10年，若日后离开新加坡，也可在62岁前一次性取款，且无需支付罚款。
  2. 退休后提款：在法定退休年龄后从SRS中提款时，只需对50%的提款金额缴纳个人所得税。例如，从SRS账户中取出60,000新币，仅对30,000新币部分缴税。此外，每年取款不超过40,000新币则可完全免税。

 

5. 如何开通SRS账户？

新加坡公民、永久居民和外国人均可在OCBC、UOB和DBS三家银行开通SRS账户，或通过网上银行直接申请。例如，在网上搜索 “DBS SRS”，在 “Get started with SRS” 下方选择 “Apply now” 即可方便开通。

如果线上申请不了，可到银行柜台申请。

 

6. 如何用SRS进行投资？

SRS账户的存款利率为0.05%，和银行的活期账户一样的利率，远低于公积金利率。所以，建议将SRS资金用于投资，以实现退休资金的增值。SRS账户支持以下8种投资类型，有助于建立多元化的退休投资组合：

  1. 债券
  2. 股票
  3. ETF
  4. 房地产信托基金（REITs）
  5. 新加坡储蓄债券
  6. 基金
  7. 保险产品（如退休年金险）
  8. 定期存款

7. 想用 SRS减税和投资，但是不懂如何操作？

若你想了解更多，欢迎联系我，WhatsApp +6586802340 或微信 lidwinabq.

其实减税的方法有很多种，我会根据你的情况给你建议和教你如何操作。

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.

Published By:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

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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
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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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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