老百姓借钱，一般是用于私人开销，那么新加坡政府在公开市场借债，是出于什么原因呢？
其实，新加坡政府的大部分借款，并不用于政府支出。发行SGS债券和国库券主要是为了：
SGS债券中的两大基础设施债券 – SGS基础设施债券和绿色SGS基础设施债券，主要是为了新加坡重大和长期的基础设施融资，其中绿色SGS基础设施债券包括可再生能源、绿色建筑、可持续交通项目等。
新加坡储蓄债券（SSBs）的主要目标是为个人提供一种安全、灵活且具有稳定回报的长期储蓄工具。
此外，现金管理国库券（CMTBs）是新加坡政府发行的短期债务工具，通常期限小于6个月，旨在为政府提供灵活的现金管理解决方案，主要面向的是机构投资者。
新加坡政府证券募集的资金去哪了？
所有SGS债券（SGS基础设施债券和绿色SGS基础设施债券除外）和国库券发行所得的收益，都被纳入新加坡政府证券基金。政府证券基金只能用于支付SGS（SGS基础设施债券和绿色SGS基础设施债券除外）的利息和本金，这确保了政府的借款不用于其日常支出。
新加坡储蓄债券（SSBs）是专门为个人投资者设计的独立债务工具，因此它并不包括在新加坡政府证券基金中，而是由MAS单独管理。
新加坡始终如一的高评级表明其具有强大的信用能力，违约的可能性极小。 对于投资者而言，这意味着SGS债券、国库券和储蓄债券是最安全的投资选择之一。
|
评级机构 |
本币评级 | 外币评级 |
|---|---|---|
|
Moody‘s |
Aaa |
Aaa |
|
S&P |
AAA |
AAA |
|
Fitch |
AAA |
AAA |
| R&I | AAA |
AAA |
新加坡没有资本利得税。作为个人的新加坡居民和非新加坡居民，都不需要为从SGS获得的利润和利息收入缴税。
以上数据更新截止于2024年7月2日。实际收益率可能会根据市场条件和具体发行时的情况有所不同。
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.
“对我来说，‘成为’不是单纯地到达某个目的地或者实现某个目标。我更把它看作是一种不断前进的成长方式，一种持续追求更好自我的过程。这段旅程没有终点。” – 米歇尔 奥巴马 《成为》
“For me, becoming isn’t about arriving somewhere or achieving a certain aim. I see it instead as forward motion, a means of evolving, a way to reach continuously toward a better self. The journey doesn’t end.” – Michelle Obama <Becoming>
关于我 About Me
回顾过去20多年里的工作经历，每一段都非常可贵，也造就了现在的我。保险理财行业，是我至今从业时间最久的行业。在新加坡友邦的10年期间，我经历过最初三年保险新人的痛苦挣扎期，无数次被拒绝的陌生拜访和路演，让我留下过很多汗水和眼泪。最终，我的长期努力和坚持，获得了顾客的信任和支持，也正是因为每一份附上郑重签名的白纸黑字，都是一份长远的承诺，鼓励着我继续勇往直前。
LOOKING BACK at over 20 years of my work experience, each phase has been incredibly valuable and shaped who I am today. The insurance and financial planning industry is the one I’ve worked in the longest. During my ten years at AIA Singapore, I struggled through the first three years as a newcomer, facing countless rejections during cold calls and roadshows, with sweat and tears. My perseverance earned the trust and support of my clients. Every signed document represents a long-term commitment, motivating me to keep moving forward.
2023年4月，我取得了国际金融理财师的资格证书，12月我告别新加坡友邦，加入新加坡最大的独立理财公司，成为一名独立理财顾问。我作出这个决定的初衷，就是想更好地运用我深耕10年的保险理财行业的经验，在更大的平台上，为更多有需要的人们服务。独立理财公司有着更广大的保险、投资合作平台，从而能够让我真正做到从顾客需求出发，提供更中立、更全方位的理财方案，这点跟我的长期职业愿景相符。我深知，独立理财顾问的路，前期需要付出更多的努力，而我也正在接受着挑战，并且愿意为之奋斗终身。
IN APRIL 2023, I obtained the Certified Financial Planner (CFP) certification, and in December, I left AIA Singapore to join Financial Alliance, Singapore’s largest independent financial advisory firm, becoming an independent financial advisor representative. This decision was driven by my desire to use my decade of experience to help more people on a larger platform. An independent financial advisory firm offers a broader range of insurance and investment partnerships, allowing me to provide more neutral and comprehensive financial planning solutions, aligning with my long-term career vision. I understand that the path of an independent financial advisor requires more effort initially, and I am ready to embrace this challenge and strive for it for a lifetime.
作为一名职业女性，同时也是两个孩子的母亲，我深知每一位女性的“超能力”，都源于她们对工作和家庭的全心付出。我特别希望能为职业女性和母亲们提供最大的帮助和支持，共同分享生活中独特的喜怒哀乐。我也希望通过我十多年的财务规划实战经验，帮助职业女性和母亲们，实现个人和家庭的财务目标。财务目标无关乎大小，重点是能够早日开启并享受这趟健康而快乐的财务规划之旅。
AS A CAREER WOMAN AND ALSO A MOTHER OF TWO CHILDREN, I understand that every woman’s “superpower” comes from wholehearted dedication to both her work and her family. I specially hope to provide my greatest help and support to career woman and mothers, and to share the unique joys and sorrows of lives with each others. I also hope that through my decade of practical experience in financial planning, I can help career woman and mothers achieve their personal and family financial goals. Financial goals are not about their size but about starting and enjoying this healthy and joyful financial planning journey as early as possible.
