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新加坡省税 | 两个省税方式CPF+SRS，为退休做好准备 🧾💰

距离2025年报税截止只剩下半个月，你是否一方面想犒赏自己和家人，另一方面又希望为未来多做一点准备呢？本期将为你介绍两个既能省税、又能为退休储蓄的好方法：退休辅助计划（SRS）与公积金特别户头（CPF SA），看看哪一个更适合你！

 

① 退休辅助计划（Supplementary Retirement Scheme，简称SRS）

SRS是财政部于2001年推出的一项自愿退休储蓄计划，主要以税务优惠鼓励国人为退休储蓄。凡年满18岁、没有破产记录者，就可以在本地三家指定银行开设SRS账户。

目前，新加坡公民和永久居民每年最多可存入$15,300，外籍人士可存$35,700。这笔金额可直接从应课税收入中扣除，有效降低应缴税款。

SRS账户类似储蓄户头，基本利率仅为0.05%。为了提升回报率，你可以用SRS里的资金投资各类金融产品，如：
📌 单期保费保险
📌 股票
📌 房地产投资信托（REITs）
📌 债券
📌 ETF基金
📌 单位信托等

提前取款需谨慎：
若在法定退休年龄（目前为63岁）前提款，不但需为全额缴税，还需额外支付5%的罚款。
若等到63岁后再提取，每年只需为一半金额缴税。由于新加坡个人所得税起征点为$20,000，理论上你每年可提取$40,000而无需缴税。

不过，要留意：从首次提款起，SRS账户的取款期限为10年。如果10年后还有余额，未提取的50%金额仍需缴税。

因此，SRS较适合中年人开始规划退休。目前最多人使用SRS的年龄层为46-55岁，其次为36-45岁。

 

② 公积金特别户头（CPF Special Account，简称CPF SA）

另一个能省税的方法，就是自愿填补自己的CPF特别户头。

只要你在每年12月31日前，用现金存入CPF户头，每年最多可获得高达$8,000的税务扣除。

55岁以下者填补的是SA（特别户头），55岁及以上则填入RA（退休户头）。

比如：✅ 存$5,000到SA，就可减少$5,000的应课税收入。

不过要注意：

若你的户头已经超过全额退休存款额（Full Retirement Sum），就无法再通过填补SA享有税务优惠。

 

还有个贴心建议❤️：
你也可以选择将钱存入父母的CPF户头，一方面为他们尽孝，另一方面自己也能省税！每年最多可获得额外$8,000的扣税额度。

若是填补配偶或兄弟姐妹的CPF户头，他们的年收入必须不超过$4,000（不包括残疾人士）。

 

注意事项 ⚠️

不论是SRS还是CPF SA，两者的税务扣除额都计入年度总扣税顶限（目前为$80,000）。一旦达到上限，多存的部分就不能再用于抵税。

此外，这两种存款方式都是不可退还的，所以在做出决定前，一定要确保不会影响到你目前的现金流或生活质量。

 

SRS vs CPF SA：我该选哪一个？

这两个计划其实是相辅相成的，你也可以同时使用，扩大整体的税务减免效果。

✅ 倾向低风险投资？
优先考虑填补CPF SA，利率较高且稳健。

✅ 有投资经验，愿意承受较高风险？
SRS提供更高灵活性，可运用于多种投资工具。

不过，如果你将钱存入SRS后不进行投资，其利息几乎等于没有。因此，SRS适合会主动进行投资规划的人。

📌 建议顺序：先填补CPF SA，再存入SRS
毕竟CPF SA的利率高、风险低，更适合打好稳健退休基础。

 

最后提醒 💡

这两个省税方式，虽然能为未来退休做出准备，也能在报税季节带来好处，但都会影响短期内的资金流动性。请确保你有足够的流动现金应对日常生活所需，避免为了省税而牺牲当下的生活品质。

新加坡省税 | 两个省税方式CPF+SRS，为退休做好准备 🧾💰 — 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.

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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