【新加坡被动收入】用全权委托基金组合打造您的被动收入

在当下利率下行,市场不确定性不断增加的环境中,越来越多投资者开始关注 被动收入”——让资产持续产生现金流,补贴生活、养老,或作为长期财富积累的一部分。那么构建多渠道被动收入都有些什么工具?

被动收入不是单一产品,而是一个组合拳,常见的工具包括:

  1. 高股息股票/股息ETF
    • 例如全球高股息股票、REITs(房地产信托基金)等
    • 优势:分红率高,可随时间增长
    • 风险:受股市波动影响较大
  2. 债券及债券基金
    • 包括政府债、高等级企业债、高收益债等
    • 优势:利息稳定、波动较低
    • 风险:利率上升会导致价格下跌
  3. 多资产分红基金/全权委托组合
    • 包括单个分红基金以及券商平台的全权委托基金组合等
    • 优势:多元配置、按月派息、专业管理、无需自己选股选债
    • 风险:组合表现受市场整体波动影响
  4. 参红保险计划(Participating Policies
    • 包括年金险‘、储蓄保险等
    • 优势:长期锁定派息,带有一定保障功能,税务筹划,定向传承等
    • 风险:灵活性较低,提前退保损失大
  5. 出租物业
    • 优势:稳定租金收入,可享受房产升值
    • 风险:需要较高初始资金,管理成本高

在众多投资方式中, 全权委托组合为投资者提供了省心、专业管理的解决方案,尤其适合没有时间或经验去管理资产,但又想稳定领息的人群。通过专业团队的全球资产配置与定期再平衡,这些组合不仅追求稳定派息,还兼顾长期资本增长。今天,我们就以某个全权委托组合的 Balanced(均衡型)Moderately Aggressive(中偏进取型) 两个组合,来看看如何根据不同风险偏好,为自己搭建一条被动收入的稳健之路。

1. 两个全权委托组合的定位

Balanced(均衡型)

  • 资产配置:60% 固定收益 + 40% 股票
  • 适合人群:追求稳健派息,承受适中波动
  • 目标:保持稳健基础上的每月派息

Moderately Aggressive(中等偏进取型)

  1. 资产配置:40% 固定收益 + 60% 股票
  2. 适合人群:愿意接受较高波动,追求长期资本增值
  3. 目标:更高股票比例支持资本增长,同时每月派息

2. 收益与派息表现(截至2025/06/30

  • 近12个月滚动派息率:约 5.7%
  • 派息频率:每月到账
  • 总回报(含股息)
    • Balanced:成立至今 +5.78%
    • Moderately Aggressive:成立至今 +6.54%

假设15万新币投资,预估每年被动收入8550新币,每月约712新币,未包括本金的增值部分。

3.如何选择适合的组合?

  • 风险偏好稳健 → Balanced
  • 希望提升长期增长 → Moderately Aggressive
  • 建议做一个风险承受能力测试

被动收入是一场长期投资的马拉松,核心是选择适合自己风险承受能力与财务目标的工具,并坚持执行。全权委托组合将全球分散投资与专业管理相结合,让您在忙碌生活中也能享受“每月加薪”的安心与踏实。

如果您希望为自己或家人定制一份 被动收入计划”,欢迎加V:Gothia,让我为您量身规划。

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 unbiased 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:

彭歌佳 Gothia Peng Gejia

您好,我是Gothia彭歌佳,是新加坡顶尖理财顾问公司Financial Alliance鑫盟理财的资深理财经理,拥有超过十年的行业经验。

专业背景

我持有新加坡保险学院的个人财务规划学位,以及新加坡银行与金融学院的高级认证。这些学术背景为我提供了坚实的理论基础,使我能够更好地为客户提供财务建议。

工作经验

 我曾在新加坡的头部人寿保险公司服务了9年多,帮助了上百个新移民家庭实现财务安全感,在保险后续服务和理赔方面,拥有非常丰富的经验。

我的使命

我的使命是为客户提供专业、中立、全面的财务建议。我始终将客户的需求和利益放在首位,并秉承着长期主义和真诚负责的原则。对我来说,每位客户都如同朋友一般重要,我期待陪伴他们走过人生不同阶段,优化他们的财务状况,并提供真正符合他们需求的解决方案。

我的承诺

我致力于为每位客户提供量身定制的解决方案,并定期回顾计划,以确保财务目标得以实现。如果您正在寻找一位可信赖的理财伙伴,我期待着与您携手合作,共同规划您的财务未来。

如果您有任何疑问或需要进一步了解我的服务,请随时联系我。感谢您访问我的个人网站,期待与您交流!

Wechat:Gothia

 

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