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有存款有房产，为什么还要靠保险来养老？

大家好，我是joey，一名从业12年的新加坡独立理财顾问
。

养老是每一个人都要面对的问题，而其中最核心的就是有没有足够的钱。

可能会有很多朋友说，我在银行有很多存款，我还有好几套房子，不愁养老问题，但是这些资产是不能和养老金划等号的。

养老钱主要还是在于现金流的规划，因为没有人能提前知道自己会活多久，特别是在人均寿命越来越长的今天，养老就像穿越一个不知道终点在哪的沙漠。

你不知道路程会有多久，所以也无从准备水和粮食。

而跑马拉松就不一样，你不仅知道路有多远，而且还知道每隔一段距离就会有补给站给你提供吃的喝的，这样才能放心跑下去

 

如果用银行存款来养老，目前新加坡定存的利率在不断下降，利息收入会越来越少。

而本金也一样不敢花，不知道，到底能活多久。

 

现在花多了，以后不够了怎么办？

存款到期后，利率会不会变动，本金会消耗多少，能花多久，这都是未知数。

 

另外，虽然房产也可以出租，用租金来养老，但也有几个明显的缺点：

第一个就是维护和持有成本。

在出租的时候，不仅需要花费精力装修、找中介等等，在新加坡每年也有公寓管理费，而且租金收入还要纳入个人所得税。

特别是收入比较高的客户，更需要注意，因为加上租金收入，会将收入所得税的比例提高，在税率上会大大增加，且新加坡政府近年来在不断提高投资房产的房产税。

例如，一个Annual Value 60K的房子，单单房产税就要还1万多新币的税

所以除掉这些支出之外，投资房产的净回报其实并没有大家想象的那么高。

 

第二点是收益不确定。

用来养老的钱，我们更多希望的是有确定性。

而租金收入是不确定的，首先租赁市场的供需关系会影响租房价格，其次，还有可能出现没有租客断租的情况

但是在晚年生活中的开支却是一直持续不断的，总不可能房租高了就吃香喝辣，没租客了就省吃俭用，这种生活质量的大范围波动，肯定不是你想经历的。

 

第三点是流动性的问题。

房产属于大额投资的不动产，在流动性上没有那么灵活，如果在晚年需要资金周转，想要卖出就必须一整套全部出手，只卖一个客厅出去换钱是绝对不可能的。

而且如果一个房子你已经持有了几十年，哪怕每一任租客都保护的很好，也避免不了房屋折旧的问题，到时候想要出售，价格大概率也是要大打折扣的。

 

而很多金融产品流动性好非常多，随时可变现。

此外，像新加坡的养老年金可以定时，定量，定向的给你提供养老现金流，让穿越沙漠变成一场有目的地的马拉松。

 

总结一下，不管是从养老的适配性，还是整体收益上来看，单纯的靠存款或者房子来养老，都是有一定的缺陷的，更应该考虑多元化投资组合而不是单一资产，不仅需要房产，还要结合年金和退休养老计划提供更加确定的退休生活

 

 

我是Joey，一名从业12年的新加坡独立理财顾问。

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

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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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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
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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.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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