View My Profile

新加坡SRS：补充退休储蓄计划全面解析

今天，我们来聊聊CPF的小兄弟——SRS，也就是补充退休储蓄计划。每到年底，SRS的讨论度都会直线飙升，这篇文章将带你全面了解SRS，让你对它透彻掌握。

什么是SRS？

SRS，全称 Supplementary Retirement Scheme（辅助退休储蓄计划），是新加坡政府应对人口老龄化的战略之一，目的是帮助国民为老年生活储蓄更多资金。

  • 启动时间：2001年

  • 性质：中央公积金CPF的补充计划

  • 参与方式：自愿

  • 主要区别：CPF主要用于住房、医疗和退休后的基本生活需求，而SRS鼓励额外储蓄和投资，为退休生活提供更进一步的保障。

SRS参与者可以根据个人财务状况灵活决定每年存入的金额，但有最高额度限制。存入SRS的资金可以用于购买特定投资产品，以增加长期回报。过去二十多年，SRS的参与人数稳步增长。截至2023年，SRS持有人已超过20万人，外国人也可以参与。

SRS的最大亮点——抵税

SRS账户的存款享有个人所得税减免：

  • 新加坡公民与永久居民：每年最高存款15,300新元

  • 外国人：每年最高存款35,700新元

  • 总年度上限：SRS存款与其他个人所得税减免项目总和不超过80,000新元

举例说明：
假设你的年收入为10万2千新元，扣税前应缴个人所得税为2,685新元。如果年底存入SRS账户15,300新元，应缴税额将降至1,614新元，节省了1,071新元，相当于原本税额的40%。

温馨提示：SRS存款必须在当年12月31日前完成，才能在下一年度享受税务减免，这也是年底SRS热度飙升的原因。

投资与收益

SRS账户的投资回报累积时免税，但提款时只对提款金额的50%征税，这被称为“50%的税务优惠”。

  • 利息：SRS账户本身的活期利率很低，远低于通货膨胀率

  • 投资选择：

    • 新加坡交易所上市的股票、债券及房地产信托基金（REITs）

    • 基金产品

    • 单次付款保险产品，如年金保险，为退休后提供定期收入

小提示：资金如果只放在SRS账户而不投资，实际上是在贬值，因此合理投资非常重要。

提取规则

SRS的主要目的是辅助退休储蓄，因此提取时有一定限制：

  • 法定退休年龄：目前为63岁

  • 提款税务：退休后提款仅50%计入应税收入

  • 提前提取：若未到法定退休年龄，需缴纳5%罚款，且100%计入当年应税收入

  • 提款期限：开始提款年度起，必须在10年内完成所有提款，未提款余额在最后一年视为一次性提取，并按50%计税

举例说明：
假设63岁以后，每年从SRS账户提取4万新元：

  • 50%计入应税收入，即2万新元

  • 若退休后没有其他收入，这2万正好在免税额内，因此无需缴税

  • 若有养老金或兼职收入1万新元，总应税收入为3万新元

    • 前2万免税

    • 超过2万部分1万新元按2%计税

    • 税额约200新元

合理规划提款金额，可以最大化税务优惠，实现低税甚至免税。

限制与注意事项

  • 不可随意支取：资金不能用于抵押或日常开销，除非在退休时提取

  • 税务规划：提前提款可能面临高额罚款和税务负担，需谨慎规划

开户流程

新加坡公民、永久居民及外国人均可在以下银行开设SRS账户：

  • 星展银行（DBS）

  • 华侨银行（OCBC）

  • 大华银行（UOB）

开户步骤：

  1. 选择银行，建议选择已有账户的银行方便管理

  2. 申请开户，可在线提交或前往分行，需提供身份证明文件

  3. 账户激活后，可通过银行转账存入资金，并立即开始投资

总结

SRS作为新加坡政府退休储蓄战略的重要补充，提供了丰富的税务优惠和灵活的投资选择。通过SRS，个人不仅能降低当前税务负担，还能在退休时享受更优质的生活保障。对于正在规划未来退休生活的新加坡居民和外国人来说，SRS是一个强大的财务工具，值得积极利用。

虽然本质是储蓄计划，但通过合理投资，个人不仅可以减轻税务负担，还能为退休生活创造更多财富。如果你还没有使用SRS，现在就是了解并利用这个计划的好时机，让未来的退休生活更从容充裕。

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:

Abby Yu 于跃

作为一名常驻新加坡的资深财富管理顾问，我拥有超过8年的行业经验及工商管理硕士（MBA）学历，专注服务高净值与超高净值家庭，帮助他们在复杂多变的全球环境中稳健增长资产，并实现跨代传承。
我已成功为超过100个家庭建立并优化财富架构，覆盖跨境资产配置、信托与基金架构设计、税务与合规筹划、家族企业传承、慈善信托及全方位风险管理等领域。

在财富管理中，架构是核心——只有合理的架构与整体规划，才能在税务筹划、资产保护、传承效率等方面发挥最大优势。缺乏合理架构，财富不仅难以高效增值，还可能在跨境传承或资产流动中因税务、法律或合规问题而蒙受损失。我深入洞察客户在全球资产布局中可能面临的风险，提前发现并规避潜在的结构性漏洞，确保财富架构安全稳固、经得起时间与政策的考验。

我深谙新加坡及主要国际金融中心的法律、税务与市场规则，擅长将全球视野与本地优势结合，为客户定制稳健、可持续、具有前瞻性的财富规划。
我始终秉持 “长期、安全、可持续” 的理念，不仅守护财富本身，更关注财富背后的家族价值观、使命与愿景，让财富成为连接代际的纽带。真正的财富管理，不只是资产的增长，而是家族精神与社会责任的延续。

As a senior Financial Advisor based in Singapore, I bring over 8 years of experience and hold an MBA, specializing in working with High-Net-Worth (HNW) and Ultra-High-Net-Worth (UHNW) families. I help clients navigate the complexities of global markets, safeguarding their assets while building enduring legacies.
I have successfully advised more than 100 families, designing and implementing wealth structures that cover cross-border asset allocation, trust and fund structuring, tax and compliance planning, family business succession, philanthropic trusts, and comprehensive risk management.

In wealth management, structure is everything, only with a well-designed structure and an integrated plan can tax optimization, asset protection, and succession efficiency be fully realized. Without the right structure, wealth can be exposed to unnecessary risks, from tax inefficiencies to cross-border legal complications. I work closely with clients to identify potential weaknesses within their existing structures, proactively mitigating risks and ensuring that their wealth architecture is secure, efficient, and resilient to both time and regulatory changes.

With deep knowledge of Singapore’s financial framework and extensive exposure to key global financial hubs, I combine a global perspective with local expertise to create robust, future-proof strategies.
My philosophy is “Long-term, Secure, and Sustainable”—protecting wealth is just the beginning. I focus on preserving the vision, values, and purpose behind the wealth, ensuring that success is measured not only in financial growth, but in the continuity of family identity and generational prosperity.

View My Profile
Contact Me

CONTACT US

  • 150 Beach Road #12-01/08, Gateway West Singapore 189720
  • +65 62221889
  • +65 62221019
  • feedback@fa.com.sg
Disclosure & Disclaimer

Privacy & Cookies Policy

Data Protection Policy

Terms of Use

Terms of Use - Mobile

Fair Dealing

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 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。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 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

Scan for Contact Details

Download Contact
Enquiry

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Estate Planning

Who Gets What?
If You Don’t Have a Will.

Find Out Now

Retirement Planning

Will I be able to retire comfortably?

Find Out Now

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 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。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 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