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新加坡的CPF账户可以做哪些投资？

你知道吗？其实CPF账户里的钱是可以用来投资的。

CPF一共有三个账户：OA/SA/MA，到55岁之后SA账户就会被关闭，增加一个RA账户。

其中OA和SA的账户可以用来投资，但是有一定的条件。

普通账户（OA）必须保留至少2万新币，特殊账户（SA）必须保留至少4万新币，超出部分才能用于投资

先来看看OA账户具体可以做哪些投资？

 

1、保险产品

比如投资连结保单，最早期甚至还可以用来购买储蓄和终身寿险，不过现在都取消了。

投连险的优势是，兼顾理财和保障属性，投资比较灵活，甚至可以选择一些市场上没有的明星基金。

 

2、基金

包括Unit Trust单位信托基金和ETF。

UNit Trust由专业基金经理管理，覆盖股票、债券或房地产等混合资产，投资者不需要自己选股或研究市场，适合不熟悉投资的朋友。

ETF则是被动跟踪指数，例如追踪标普500或亚洲市场指数的ETF。如果你看好某个地区的市场，就可以买相关的ETF参与投资。

 

3、新加坡政府债券(Singapore Government Bonds)和国库券(Treasury Bills)

债券安全性高，收益固定，比较适合低风险投资者。不过现在收益已经逐渐下降了很多，个人不太推荐。

 

4、定期存款

存款也是低风险，收益稳定的品类，适合保守型投资者，但回报率比较低。

 

5、新加坡交易所(SGX)上市的股票和房地产投资信托(REITs)

股票投资仅限新交所主板上市，且注册地在新加坡的公司，投资比例也有严格的限制，不能超过OA账户可投资余额的35%。

通过retis可以间接投资商业或住宅地产，享受租金分红，同样受到35%投资比例的限制。

 

6、黄金

黄金作为避险资产，这几年涨势如虹。

但通过OA账户投资，仅限SGX上市的黄金ETF或通过指定银行购买实物黄金，投资金额不得超过OA可投资余额的10%。

再来看一下SA账户。

由于SA的利息目前固定保本都是4%起，所以一般不建议公积金会员用SA做投资。

SA目前可投资的项目如下：

SA账户的投资比OA账户限制要更多，比如两个账户都能投资unit trust基金，但是SA账户只能选择由CPF批准的中低风险基金。

 

债券投资也是，必须投向低风险债券。

 

用公积金投资有哪些好处呢？

 

1.获得潜在更高回报：OA固定利息2.5%，且大部分这笔钱暂时不用且拿不出，长期投资很多工具还是比较容易实现超过2.5%的回报的

2.税务优势：无论是现金还是公积金投资，都无资本利得税，分红税、遗产税等，这都是新加坡作为全球金融中心的独有优势。

3.费用优势：用公积金做投资，政府规定无前端销售费用，且管理费也有严格限制。

 

例如购买基金的话，就没有任何销售费用，管理费最多不能超过0.4% 每年。与用现金投资相比，费用上大大节省了不少。

 

总之，新加坡公民的CPF账户有多样化的投资选择，从低风险的固定存款和债券，到高回报潜力的股票和基金，满足不同风险偏好。

 

普通账户OA适合灵活投资，特别账户则更偏向稳健增值。

 

Joey建议根据大家个人财务目标和风险承受能力，结合CPF默认的账户利率，制定适合自己的投资策略。

如果不确定是否要投资，可以留言跟我讨论哦。

 

我是Joey，一名从业12年的新加坡独立理财顾问，希望能够帮到你。

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

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 unbiased 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:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置，等全球资产配置, 一站式，专业，独立。

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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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  • 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.
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  • 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。
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  • 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。
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  • 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