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新加坡式养老：活到老，干到老

新加坡再次宣布提高退休年龄，从2026年7月1日起，可延长工作至69岁，李显龙总理更表示，到2030年前，将将进一步提高至70岁！这无疑是新加坡式养老的特色：活到老，干到老的生活节奏！想象一下，在70岁生日那天，终于可以宣布明天不用上班了，这简直是最棒的生日礼物！

有政府官员发贴文指出，让老年雇员有足够的退休储蓄最有效的方式就是延长他们的工作年限，即延迟退休。在实际操作中，新加坡政府通过给企业提供补贴和津贴的方式，鼓励企业为60岁以上的老年人提供全职或兼职工作。

这种精明的政策一方面通过CPF Life只提供最基本的养老保障，激发个人的“继续工作”欲望；另一方面，国家补贴并非直接发放给老年人，而是给予企业，以鼓励雇佣老年人。这不仅降低了企业的用工成本，也在国家层面上缓解了因老龄化带来的劳动力不足问题，可谓一举三得。

昨日另外一则新闻，农夫山泉钟首富的母亲郭老太太不幸离世，享寿95岁。从发出的讣告中得知，郭老太太1980年51岁时即“光荣离休”，一生工作二三十年，早退休加长寿领了四十多年离休金。郭老太太本来过着人世间最幸福的退休生活，自己养老无忧，看着儿子慢慢成为中国首富，可最后却因首富被莫名网暴，忧伤离世，实属遗憾！

在今天的新加坡，若想提前退休，必须在年轻时就有财务规划的意识。许多年轻人往往认为退休还远，等到退休时才开始规划，却可能错过了最佳的养老规划时机。其次，要充分利用时间价值，因为复利加时间是积累财富的最佳方式。养老的资金来源，正是前期时间价值的积累。

有关财务、养老规划，欢迎添加文末微信来聊！

我是刘博士，毕业于新加坡南洋理工大学，持有新加坡金融管理局财务咨询顾问牌照（号码：LY-300770160），综合利用各种金融工具，为您提供最佳的财务解决方案，欢迎联系咨询。

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 independent 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:

LIU Yiquan Eugene 刘以泉

您好，我是刘以泉，感谢科技让我们相遇！我2010年来到新加坡，毕业于新加坡新加坡南洋理工大学并且拿到博士学位。现在在新加坡最大的独立理财顾问公司做全牌照独立理财顾问。服务过上百个新加坡新移民和国内的朋友，为他们提供全面专业的定制化资产配置服务。

我曾经是一名工程师，在浙江大学获得学位，并在上海的国际公司工作多年。后来，带家人移民到新加坡，并且在新加坡南洋理工大学获得哲学博士学位。通过这一系列的跨国经历，我深刻理解到不同背景下的财务挑战和规划的重要性。

在我转行做理财顾问之前，我一直对理财投资有着浓厚兴趣，并注意到身边很多高学历人群普遍缺乏金融知识，因为这个行业确实存在巨大信息差，这一点对于刚到新加坡的朋友们尤为明显。而且，保险理财的选择成本是非常大的，一旦选错的错，就可能会造成很大损失，因此，我转型成为一名独立理财顾问，致力于帮助新移民的个人和家庭在新加坡做精准配置，不仅给他们一份安心，而且在新加坡实现他们的财务目标。

我的使命是：通过深度的对比和专业的理财建议，为您打造稳固的经济基础，帮助您实现财务自由。

我会以简洁易懂的语言解释复杂的金融术语，确保每一位客户可以轻松理解并掌握每个财务决策的核心。如果你在寻找一位真诚、专业的理财顾问，我将是您的理想选择。让我们一起规划和实现一个更加稳健的财务未来。欢迎通过微信联系我：DrLiu65，期待为你服务！

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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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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