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CPF Top-Up省税是否适合你？新加坡高收入人群省税技巧全解析！

在新加坡的省税工具有哪些？最普遍的是 CPF 充值 (CPF Top-up)。

许多人认为，无论收入多少都应该做CPF Top-Up。然而，这是一种误解。虽然CPF充值确实能帮助减少税收并增加退休储蓄，但这个决定应该根据个人的财务状况和目标来进行战略性规划。

以下是为新加坡高薪公民和永久居民量身定制的指南，帮助你在CPF充值与省税之间做出正确选择。

1. 了解CPF充值的优势

通过CPF退休充值计划 Top Up Retirement Sum，你可以为自己的特殊账户（SA）或亲人的CPF账户充值，同时享受高达8,000新元的个人所得税减免。

  • 充8,000新币入自己的CPF 账户，可减免应税额8,000新币
  • 充8,000新币入自己亲人的CPF 账户，可减免另外的应税额8,000新币
  • 总共减免的应税额高达16,000新币

这个CPF账户里也可以选择 Retirement Account / Medisave Account / 三个Accounts (Ordinary, Special & Medisave)。主要看你和亲人的年龄和CPF存款的情况。

如果你的目标是长远的退休储蓄，这是一个强大的工具，但前提是它符合你的整体财务目标。

第一个选择：Retirement Account

CPF Top-Up省税是否适合你？新加坡高收入人群省税技巧全解析！ — Engage

第二个选择：Medisave Account

CPF Top-Up省税是否适合你？新加坡高收入人群省税技巧全解析！ — Engage

第三个选择：CPF Accounts (包括 Ordinary, Special & Medisave)

CPF Top-Up省税是否适合你？新加坡高收入人群省税技巧全解析！ — Engage

2. 评估你当前的财务状况

在做出CPF充值的决定之前，务必要仔细考虑以下几点：

  • 收入水平：计算你的应税收入和边际税率，以了解CPF充值对税务的影响。
  • 每月开销：确保你有足够的流动资金来支付生活开销、应急储蓄及其他财务承诺。
  • 其他省税工具：如补充退休计划（Supplementary Retirement Sum, SRS）或慈善捐赠，这些工具同样提供税收减免，但可能更具灵活性。

3. 制定明智的省税策略

虽然CPF充值在退休规划中大有用武之地，但资金一旦进入CPF账户就无法撤回。因此，明智的规划尤为重要：

  • 明确你的财务目标：你是为了退休储蓄、购房，还是子女教育而存钱？确保你的CPF充值与这些目标一致。
  • 保持资金灵活性：如果不确定是否要将资金完全锁入CPF，可考虑将资金分配到CPF和SRS之间。
  • 模拟税收场景：估算top up充值后可能的税收减免，判断是否能显著减少本年度的税负。

4. 打破“千篇一律”的误区

CPF充值并非适合所有人。对于高收入人群，尤其是那些收入波动较大或每月开销较高的人，必须在资金流动性与长期储蓄之间取得平衡。

盲目听从“必须top up CPF”的建议，可能会导致你的现金流紧张，或者将本可以用于其他用途的资金锁死在CPF中。更重要的是，根据你的具体需求和目标，量身定制一套适合自己的整体财务规划。

总结：明智决策，稳健规划

CPF充值确实是一个很好的省税与退休规划工具，但只有经过战略性规划后才能最大化其优势。无论是收入、开销，还是长期财务目标，都需要全面考量，再决定是否补充。记住，每个人的财务状况不同，没有统一的答案。

需要帮助？随时联系我！

每一个财务决定都需要深思熟虑和专业指导。如果你对CPF充值或其他省税策略存有疑问，我随时为你提供支持。让我们一起制定一个量身定制的财务计划，帮助你实现目标，同时最大化省税效果！

📞 WhatsApp: +65 86802340
💬 微信 WeChat: lidwinabq

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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  • 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