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新加坡SRS（补充退休储蓄计划）你还不知道？它如何省税的？

SRS是什么？

SRS（Supplementary Retirement Scheme，补充退休储蓄计划）是新加坡政府推出的自愿性退休储蓄计划，旨在鼓励个人为退休存钱，同时享受税务优惠。

 

如何省税？关键点是什么？

SRS的主要税务优势在于存入的钱可以抵扣个人应税收入，减少所得税，而且投资收益是免税的（直到提款时才课税）。关键点如下：

✅ 存款可减税：你每年存入的金额可以从应税收入中扣除，降低你的个人所得税。

✅ 投资增值免税：SRS账户里的钱可以用于投资（如股票、基金、债券），投资增长部分不会被征税。

✅ 提款有优惠税率：在法定退休年龄（目前是63岁）之后，可以分期提取SRS账户的钱，而只有50%需要纳税，大大降低税负。

 

举个例子：如何省税？

假设：

• 小李年收入$120,000，正常情况下，他的应税收入是$120,000。

• 他决定在2024年存入$15,300（SRS的最高年度存款额）到SRS账户。

• 存入后，他的应税收入变为$104,700（$120,000 – $15,300）。

• 这样，他的个人所得税就减少了$1,071（大约根据新加坡个人所得税率计算）。

如果小李60岁以后提款：

• 他退休时提款每年$40,000，只有$20,000（50%）需要纳税。

• 而新加坡年收入$20,000以下是免税的，所以小李可能完全不需要缴税！

 

谁适合用SRS省税？

✔ 年收入超过$80,000的人，因为边际税率较高，存入SRS能有效减税。

✔ 计划长期投资的人，因为SRS资金可以用于投资，享受免税收益增长。

✔ 未来退休后没有高额收入的人，这样提款时税负更低甚至免税。

 

SRS的注意事项

❌ 提前提款有罚款：如果在退休年龄前取出SRS资金，需要支付5%提前提款罚款，并且100%金额要纳税。

❌ 投资有风险：SRS资金可以用于投资，但收益不保证，投资时需谨慎。

❌ 存款上限：新加坡公民和PR每年最多存**$15,300**，外籍人士最多存**$35,700**。

SRS是一个非常好的合法省税工具，特别适合高收入者，同时还能让资金增值，为退休做准备。如果你希望减少所得税，同时为未来规划，现在就可以考虑开设SRS账户！

 

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:

朱杰琳 Jolin Zhu

在我国，高净值人群对理财的需求日益增强，但大多数人面临理财知识匮乏的挑战。传统的理财机构，如私人银行和第三方理财公司，虽然在一定程度上满足了高净值客户的需求，但由于管理环节繁琐和效率低下，往往无法提供最佳的解决方案。此外，这些机构的理财经理受到销售业绩压力，可能会向客户推荐不适合的理财产品，这使得客户在理财过程中面临诸多痛点。 针对这一现状，我致力于提供全面、以客户为中心的独立理财规划服务，旨在解决高净值人群在理财中遇到的问题。我擅长的领域包括新加坡各类保险规划，退休规划、基金投资建议、房贷介绍、遗嘱及家族信托安排、家族办公室服务以及传承规划等。通过一站式服务，我能够为客户量身定制合适的理财方案，确保他们的财富能够得到合理配置和有效传承。 我的目标是帮助客户建立全面的理财规划体系，让每位高净值客户都能享受到专业、高效且透明的理财服务。

In China, the demand for wealth management among high-net-worth individuals is on the rise, yet many face the challenge of insufficient financial knowledge. Traditional financial institutions, such as private banks and third-party wealth management firms, partially meet the needs of high-net-worth clients. However, their complex management processes and inefficiencies often prevent them from providing optimal solutions. Additionally, financial advisors in these institutions may face pressure to meet sales targets, leading them to recommend products that may not be suitable for their clients, thus creating several pain points in the wealth management process.

In response to this situation, I am committed to offering comprehensive, client-centered independent financial planning services aimed at addressing the challenges faced by high-net-worth individuals in managing their wealth. My areas of expertise include various insurance planning in Singapore, retirement planning, fund investment advice, mortgage introductions, estate planning and family trust arrangements, family office services, and legacy planning. Through a one-stop service approach, I am able to tailor appropriate financial solutions for my clients, ensuring that their wealth is effectively allocated and preserved for future generations.

My goal is to help clients establish a comprehensive financial planning system, allowing each high-net-worth individual to enjoy professional, efficient, and transparent wealth management services.

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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