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新加坡银行利率下调，钱放哪里最安全又有收益？

3个月新元隔夜利率（SORA）一路走低（图下），带动本地多家银行先后下调储蓄与存款利率，甚至有些储蓄户头回报已跌破 1% （UOB：自 2025 年 12 月起，存入 15 万元的最高年利率将从 2.5% 下调至 1%）。对依靠储蓄赚取利息的群体大受影响，实打实的收入缩水。像 20 万存款，单是利息一年就可能比去年$1200。在通胀压力仍在的情况下，钱放在银行里看似安全、也最灵活，但利息追不上物价上涨，但久而久之钱没变少，却越来越不值钱。

 

手上有 S$200,000 现金，该怎么放？

理财不是选一个产品，而是要先看清楚你：多久会用钱、需要多少现金流、能承受多少波动、家庭责任是什么。所以如果客户问我：“手上有 S$200,000 现金，该怎么放？” 我通常会根据个人条件来帮他客制化配置。以下只供参考可依据个人情况分配，想了解更多欢迎wechat、whatsapp我咨询我！

 

1. 全球股票 60%：S$120k

投资市场没有“百分百无风险”，但分散配置能显著降低单一市场或单一资产带来的冲击-就像把鸡蛋放在不同篮子里。加上复利长期累积，财富更有机会像滚雪球一样稳步增长。以 S&P 500 为例，它追踪美国约 500 家大型上市公司，覆盖约 11 大行业板块 （資訊科技、通訊、原物料、能源、金融、工業、科技、必需性消費、非必需消費、公用事業、健康照護類股）；长期统计常被引用为年化回报约在 10%–11% 左右（历史不代表未来，仍会有波动与回撤）。

 

2）债券基金 25%：S$50k
债券基金就是把很多人的钱集中起来，由专业经理去买一篮子债券（可能包括政府债、银行债、企业债，也可能有一部分高收益债）。因为持有的是“多只债券”，所以比起只买一只债券，风险更分散。通常更灵活，投资者可以按规则申购、转换或赎回，不一定要等债券到期才拿回资金。債卷可以透過每個月派息分紅 Ex, 5 ~ 6 % dividend. 每個月大約收到SGD 250

 

3）黄金 15%：S$30k

黄金白银都有较强抗通胀的能力，即便现在在金价高点，也可分批买入以分散风险。这样做的好处是：你不会把所有资金押在“某一个月的价格”，而是把买入点平均分布在半年内，减少一次买在高点的概率，更符合黄金“长期配置”的定位。

例如：12 个月：30k可以分12个月来定投每月$2,500

 

如果你想进一步了解投资与理财规划，欢迎随时联系我。我会根据你的目标与实际情况，为你制定更贴合的配置建议。

微信号：a19842182457 或 WhatsApp：+65 9465 3813

 

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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的優質理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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