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香港VS新加坡，把钱放在哪里更安全？

关税战下，作为资金的完美避险地，新加坡，香港，迪拜这样的自由港又火起来了

尤其是今年，但凡手里有点钱的人，都在考虑做资金的出海配置

特别是香港和新加坡，一边是背靠中国内地的国际金融枢纽，一边是辐射东南亚的“全球安全港”

那么作为亚洲高净值人群关注的“双子星”，这两个地方，我们到底应该把钱放在哪？

首先，从税收的角度来说。

香港以“简单税制”著称：企业所得税16.5%（前200万利润税率仅8.25%），个人所得税最高15%，且无资本利得税、遗产税和增值税。

新加坡近年来通过“全球-亚洲财富中心”战略加速赶超，企业所得税17%（部分行业可享免税期），个人所得税最高24%，其优势在于更灵活的双边税收协定网络，覆盖90多个国家，适合跨国业务布局。

若需深度绑定中国内地市场，香港的“自由港”属性更具优势，若业务辐射东南亚或需复杂税 务规划，新加坡的协定网络更胜一筹。

其次，两地的核心价值定位不同。

香港的核心价值在于“中国超级联系人”地位，相当于人民币资产国际化的桥头堡。

全球75%的人民币离岸交易经香港结算，沪深港通、债券通等机制提供独一无二的内地资产通道，而且在大湾区政策推动下，跨境理财通规模持续扩容。

同时香港股市日均成交额高于新加坡，市场流动性强。金融产品也很多样，包括股票、债券、基金，保险等。

新而加坡则扮演“东南亚门户”角色，吸引着整个东南亚和亚洲的富豪和企业主。

由于其成熟透明的金融和法律环境，成为中资企业出海东南亚的跳板。
而且新加坡在数字货币、绿色金融等新兴领域的发展更激进，率先发放数字银行牌照，全球60%的加密货币基金选择在此注册。

第三点，两地的货币。

新币最大的优势，就是它既不挂钩美元，也不挂钩人民币，而且不挂钩任何单一货币。

新加坡金融监管局MAS有个非常聪明的做法，它搞了个货币篮子。

这个篮子里装的货币是与新加坡贸易往来最密切的一些国家的货币加权组成的，新币就是跟这个货币篮子挂钩。

这样，不会受到单一货币的波动影响，所以，每次美联储或者特朗普搞出什么幺蛾子，新币都表现出非常惊人的韧性和稳健。

长期下来，新币都是处于一种轻微升值的状态，购买力非常强，所以也是目前东南亚甚至整个亚洲都非常喜欢的避险货币。

而香港本身采用联系汇率制，将美元兑港币的汇率稳定在7.75-7.85之间。

一旦超出这个区间，港府就会无限买卖港元维持汇率的稳定。

简单来说，就是港币是强烈依存美元的，比较被动。

一旦遇上美联储暴力加息，比如2022年到2023年，香港最优贷款利率（Prime Rate）同步升至5.875%，导致房贷压力激增。

综上所述，如果你希望投资中国市场或购买高收益保险产品。能接受一定地缘政治风险，追求短期回报，可以选择香港。

如果你优先考虑资产安全、全球配置和财富传承，更希望在稳定环境中设立家族办公室或信托规划，可以选择新加坡

不过，如果资产量级比较大，我更建议双城配置。

用香港捕捉内地资本市场开放红利（如中概股回流、大湾区跨境投资）；借新加坡布局东南亚新兴市场（比如数字金融和虚拟货币），对冲单一货币风险。构建攻守兼备的投资组合

当然任何保险投资理财都需要结合客户的实际财务状况，财务目标按需定制。本文并没有推销任何产品，任何需求请联系。

 

我是Joey，一名从业12年的新加坡资深理财顾问。如果你想咨询两地的资产配置，欢迎留言.

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

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:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置，等全球资产配置, 一站式，专业，独立。

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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/.

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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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  • 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