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【新加坡理财】SRS-高收入人士必备节税账户

【新加坡理财】SRS-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

您好，我是Gothia彭歌佳，是新加坡最大独立理财顾问公司Financial Alliance鑫盟理财的资深理财经理，拥有超过十年的行业经验。

专业背景

我持有新加坡保险学院的个人财务规划学位，以及新加坡银行与金融学院的高级认证。这些学术背景为我提供了坚实的理论基础，使我能够更好地为客户提供财务建议。

工作经验

 我曾在新加坡的头部人寿保险公司服务了9年多，帮助了上百个新移民家庭实现财务安全感，在保险后续服务和理赔方面，拥有非常丰富的经验。

我的使命

我的使命是为客户提供专业、中立、全面的财务建议。我始终将客户的需求和利益放在首位，并秉承着长期主义和真诚负责的原则。对我来说，每位客户都如同朋友一般重要，我期待陪伴他们走过人生不同阶段，优化他们的财务状况，并提供真正符合他们需求的解决方案。

我的承诺

我致力于为每位客户提供量身定制的解决方案，并定期回顾计划，以确保财务目标得以实现。如果您正在寻找一位可信赖的理财伙伴，我期待着与您携手合作，共同规划您的财务未来。

如果您有任何疑问或需要进一步了解我的服务，请随时联系我。感谢您访问我的个人网站，期待与您交流！

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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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  • 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。
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  • 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