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新加坡最新利率下调分析｜OCBC 360利息从3.8%降至2.7%，你该怎么办？

✦ 作者：Jolysse Wu 邬宇思｜独立财务顾问
✦ 关键词：OCBC｜利率下调｜现金管理｜被动收入｜投资配置

一、新闻简要解读：360账户利率大幅下调

3月21日，华侨银行（OCBC）发布通知，自2024年5月1日起，将全面下调360储蓄户头的利率：

分类
调整前年利率
调整后年利率
薪资转账
2.00%
1.60%
余额增长
1.20%
0.60%
消费达标
0.60%
0.50%
总额外利率 约3.80% 约2.70%

这意味着：
📉 若你在OCBC存款10万元，过去每月可拿387元利息，调整后将降至约275元，每月少了112元，相当于一年少赚约1300元。

此外，“Grow”账户的门槛也提高了：
原本20万元即可享有2.4%，现在需25万元才有2.2%。

二、这对我们意味着什么？

这波利率调整，不只是OCBC一家：

  • UOB 定存利率下调至2.1%-2.3%

  • CIMB 下调至2.25%-2.4%

  • Maybank 六个月定存从2.7%降至2.45%

📉 利息收入正在缩水
📉 存款“睡在银行”越来越不划算
📉 高利时代或已接近尾声

对中产阶级来说，被动现金流会受到明显影响，尤其是依赖银行利息作为生活补贴、养老金补充的人群。

三、市场信号：这不是银行“抠门”，而是周期的转折

为什么利率在下降？

  • 新元隔夜利率（SOR）已跌破3%，银行参考这一指标设定利率

  • 通胀放缓 + 央行预期降息周期来临，资金成本变便宜

  • 银行不再抢存款，也就没有必要给高利息

📌 简单来说：高息存款的红利期在过去18个月，未来是一个逐渐“回归常态”的过程。

四、那现在钱该怎么放？

理财建议来了

✅ 1. 短期流动资金：保留1-3个月生活费

  • 仍可以放在360、UOB One等账户

  • 追求一点点额外利息的，可考虑流动性更高的货币基金（Money Market Fund）

  • 年化收益 3.2%-3.8%，T+1赎回

✅ 2. 中期现金（6个月-2年不用）

可考虑以下三类工具：

🟢 大额保本结构存款（Structured Deposit）

  • 挂钩指数、债券、黄金等资产

  • 保本基础上获取浮动利率

  • 近期产品平均年化回报可达 5%-6%（市场好时更高）

🟢 固定票息结构性票据（FCN）

  • 年票息8%-12%（需承担一定挂钩资产波动风险）

  • 可挂钩科技股、黄金、消费品等

🟢 优质公司债券

  • 如淡马锡债、星展银行债

  • 固定票息3.5%-5%，相对稳健

✅ 3. 长期资金（3年以上）

  • 建议分配至分红型基金 + 指数基金定投组合

  • 一方面获取5%-6%的现金流

  • 一方面通过长期投资获取7%-10%的资本增值

五、举个例子：10万元该怎么配置？

工具
比例
年化潜力
说明
货币基金
20%
3.5%
作为流动备用金
大额结构存款
40%
5%-6%
提供稳定现金流
分红基金
30%
5.5%
每月派息
定投ETF
10%
预期7%-9%
长期增值

六、写在最后：理财的底层逻辑没有变

银行利率下调，不是坏事，而是一个提醒：

“你不理财，钱就慢慢流走。”

与其纠结360账户从3.8%变成2.7%，不如把焦点转向：

  • 如何建立稳定的现金流？

  • 如何用组合方式打败通胀？

  • 如何做更聪明的现金管理？

如果你想知道你的资金更适合哪种方式，欢迎和我聊聊——我会根据你的目标、风险承受力与家庭状态，帮你量身定制可落地的资产配置建议。

我是 Jolysse Wu 邬宇思，独立财务顾问。
专注于为30-50岁人群设计“现金流+资产增长”双目标方案。
如果你正面临利率下调、现金贬值、投资焦虑，我可以帮你做出下一步决策。

📩 欢迎私信我，或转发给也在困惑中的朋友。让我们一起，聪明稳健地管理好每一分钱。💰

新加坡最新利率下调分析｜OCBC 360利息从3.8%降至2.7%，你该怎么办？ — Engage

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:

JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

您好。我是宇思，您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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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/.

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