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Skema Pensiun Tambahan di Singapura

Apakah Anda baru di Singapura dan belum pernah mendengar tentang Skema Pensiun Tambahan (SRS)? Jangan lewatkan manfaat pengurangan pajak penghasilan dari SRS!

Apa itu Skema Pensiun Tambahan (SRS)?

Pemerintah Singapura telah memperkenalkan Skema Pensiun Tambahan untuk mendorong pembayar pajak menabung untuk dana pensiun tambahan sukarela. Salah satu keuntungannya adalah pengurangan penghasilan kena pajak dengan menabung sejumlah uang tahunan yang fleksibel ke rekening SRS Anda.

Membuat rekening SRS mempunyai efek pengurangan pajak penghasilan. Karena rekening ini dapat digunakan untuk berinvestasi pada tabungan, saham, dana, obligasi, dll., rekening ini juga menarik bagi ekspatriat.

Siapa yang dapat berpartisipasi?

  • Anda berusia di atas 18 tahun
  • Anda belum mengajukan pernyataan pailit sampai tulisan ini dibuat
  • Anda tidak menderita gangguan jiwa dan
  • Anda secara fisik dan mental mampu mengatur diri sendiri dan barang-barang Anda sendiri.

Seberapa tinggi batas kita boleh menabung ke akun SRS?

Kontribusi pajak penghasilan dipotong pajak hingga jumlah tertentu setiap tahun, dengan batas kontribusi maksimum ditetapkan sebesar S$15.300 untuk warga negara Singapura dan pemegang izin tinggal(Permanent Residents). Orang asing, dengan atau tanpa izin tinggal, dapat memberikan kontribusi tahunan hingga S$35,700.

Bagaimana SRS berfungsi sebagai keringanan pajak penghasilan?

Singapura menerapkan sistem pajak progresif yang berarti pemegang rekening SRS dapat mengurangi penghasilan kena pajaknya.

Contoh:

Skema Pensiun Tambahan di Singapura — Engage

Untuk gambaran lengkap mengenai tarif pajak penghasilan dan tarif pemotongan pajak di Singapura, silakan baca di sini.

Siapa yang paling cocok untuk SRS?

Wajib Pajak yang:

  • Dapatkan penghasilan tahunan kena pajak lebih dari S$80.000
  • Dana yang disetorkan ke rekening SRS harus tidak aktif untuk jangka waktu yang lebih lama (>10 tahun)
  • ingin menabung pensiun tambahan

Apa yang terjadi dengan uang saya ketika saya mencapai usia pensiun?

  • Penarikan tabungan satu kali dari rekening SRS Anda
  • Pembayaran reguler (misalnya: bulanan/tahunan).

Pengecualian:

  • Orang asing, dengan atau tanpa izin tinggal, menerima pembayaran satu kali, 10 tahun setelah setoran pertama

Apa yang dikenakan pajak bila pensiun dibayarkan dari rekening SRS?

  • Setelah mencapai usia pensiun, hanya 50% dari jumlah yang dibayarkan yang dikenakan pajak
  • Hal yang sama berlaku untuk penarikan oleh orang asing

Berapa tarif pajak yang berlaku saat membayar?

dua jenis pajak:

  • pajak penghasilan progresif atau
  • pajak yang dipotong oleh pihak ketiga

Untuk informasi lebih lanjut, silakan menghubungi saya via Email atau WhatsApp.

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.

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Fendy Susanto

Fendy hails from a family who value entrepreneurship, where he understands that ones’ finance is ones’ responsibility. He follow suit after leaving his decade-long career in construction industry, becoming a Financial Advisor, an Entrepreneur and a Content Creator.

Prior to joining this career, Fendy had lost his Mom and Dad to Cancer and Heart Attack, respectively. Having a first hand experience on how devastating that was financially and emotionally, his main goal is to “Leave no Life Unprotected”

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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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  • 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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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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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