SRS-新加坡高收入人士必备节税账户

SRS-新加坡高收入人士必备节税账户 — Engage

  • 什么是SRS?
    退休辅助计划(Supplementary Retirement Scheme,简称SRS)是一个自愿性质的退休储蓄计划。
  • 有什么用?
    SRS的最大作用是它的节税功能。
    只要在年底之前将钱存进SRS户头,明年报税时便可从纳税收入中减去这个数额,节省200到3000新币的税款。
    不计算其他tax relief举例:
    年收入10万,节税约$1760;
    年收入20万,节税约$2754;
    年收入30万,节税约$3060..
    公民/PR每年最多可存入$15300到SRS户头,外国人则为$35700。
  • 怎么提取?
    目前法定退休年龄是62岁。
    62岁之后提取:退休后可分十年提取,届时只需为所提出款项的一半缴税。
    假设一年提取4万元,只需为2万元缴税,而新加坡个人所得税的起征点是2万元,因此在无其他收入的情况下就无需缴税。如果一次性把所有的钱取出来,就要缴纳相当可观的税款了。
    62岁之前提取:就必须为提取的款项全额缴税,并且缴纳相等于提款额5%的罚金。
    因特殊原因如医疗原因、末期疾病、破产、外国人一次性提款(存期至少10年)可以豁免罚金。
    2022年法定退休年龄将调至63岁,可以现在先开户放个几块钱锁定目前的退休年龄,以后有需要再放钱进去。
  • 怎么开户?
    可选择三家本地银行DBS/OCBC/UOB免费开户,搜索Open SRS加银行名即可找到网页。
    存钱之前的考量?
    -先计算一下其他tax relief有没有到8万顶限
    -权衡省税的好处是否胜过这笔钱被锁定二三十年
    比如今年我成为二胎妈妈,working mother‘s child relief和cpf contribution等其他relief加起来就差不多达8万顶限了,存SRS也节不了税。
  • 投资什么?
    SRS户头中的钱可投资于定期存款、单期保费产品、股票、房地产投资信托、债券、挂牌基金、单位信托等。投资回报无需缴税。
    个人看法:
    SRS旨在鼓励国人在工作时多为退休存钱,在此框架下投资,建议寻求可持续长期增长,分散风险全球多元配置,可以借力世界顶尖投资机构的专业和眼光,有不同风险等级选择,有兴趣可以加我微信Gothia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:

彭歌佳 Gothia Peng Gejia

2007年留学移民新加坡,目前为新加坡公民和家人在新加坡定居。

2012年加入最大人寿保险公司服务近10年,大多数客户都是相同背景的新移民,保险后续服务和理赔经验丰富。

2022年加入新加坡最大独立理财顾问公司Financial Alliance,为了能够更加以客户的需求和利益为出发点,提供中立专业全面的建议,在多家金融产品提供商中帮客户优中选优,提供一站式财务解决方案,保障人生三大场景的财务周全。

场景一:活着 (或长或短)

• 资产增值 – 让钱生钱,跑赢通胀 
• 教育基金 – 专款专用,父母在不在都有保证
• 被动收入 – 实现早日退休,构建终身现金流解决长寿风险

场景二:不在了 (或早或晚)

• 家庭支柱收入补偿
• 资产保全房贷保险
• 持久授权书,遗嘱,信托 

场景三:活着 但有疾病 (或轻或重)

• 医疗费用报销
• 重疾收入补偿
• 残疾长期护理

真诚负责,信奉长期主义,享受作为客户信任的朋友,携手优化财务状况,提供落地解决方案并且定期回顾。

 

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