新加坡SRS省税攻略,分分钟帮你省掉上千新币!

无论我们去哪里工作,生活。我们都需要做长期的规划。有一句话是:if you fail to plan, you are planning to fail . 如果我们没有计划,那么我们就是在计划着自己的失败。在这个老龄化严重,生育率不断降低,生活压力空前大的时代,退休养老的规划显得尤为重要。

在新加坡提到退休养老计划,首当其冲的就是 CPF公积金计划(全称Central Provident Fund),但是这个计划其实只是给本地公民和永久居民的福利。很多人不知道的是,新加坡政府也为在本地工作的外国人的养老规划布局,这就是我们今天要细讲的 SRS退休辅助计划(全称Supplementary Retirement Scheme)

 

1、什么是SRS账户?

SRS退休辅助计划: 退休辅助计划(SRS)是一个自愿性质的退休储蓄计划,与强制性质的公积金计划相辅相成。每年只要在年底之前将钱存到SRS户头,第二年报税时便可从纳税收入中减去这个数额,节省200元到3000元的税款。重要的是,这项计划除了公民和PR之外, 在新加坡工作的外国人士(EP 工作签证)也可以开通哦!

 

2、如何开通SRS账户?

开户的方式很简单,可以去柜台或是直接通过网上银行开户。首先我们先了解一下新加坡SRS的开户银行,SRS账户由三家新加坡本地银行经营商管理,分别是:

1. DBS-星展集团控股有限公司

2. OCBC-华侨银行有限公司

3. UOB-联合海外银行有限公司

 

开通账户需要满足以下资格标准:

1. 年满18周岁

2. 并非未偿还清债务的破产者

3. 未患有精神障碍以及能够管理自己和自己的事务。

每个人只能开设一个SRS账户哦!

公民和本地居民可以直接用ibanking 网上银行开开设,非常简单。外国人则需要去银行开设,并且需要填写完整的SRS身边表格。

 

3、SRS账户如何节税?

您为SRS帐户贡献的每一新币储蓄多少取决于您当前正在支付的个人所得税税率。在最高税率(个人全年收入超过32万新币),税率为22%。

这意味着,如果你拥有SRS帐户,每存入收入的10000新币,将会节省2200新币的个人所得税。

而在最低税率(个人收入20000元以上,但低于30000元),税率为2%。

这意味着,如果向你的SRS帐户存入1000新币,你将节省20新币的个人所得税。

简单来说:

如果您是新加坡公民、PR每年最多可存入S$15300,如果您是外籍人士每年最多可存入S$35700。只要在年底之前,将钱存入SRS账户,那么明年报税之时就可以从纳税收入中减去这个数额。

 

4、如何使用SRS账户中的资金?

与中央公积金账户中产生2.5%至5%无风险利息的基金不同,你的个人退休人员账户缴款每年只产生0.05%的名义利息。所以,SRS账户的钱建议用于投资。

如果想获得更好的回报,确实应该将SRS账户的财富投资于其他金融产品。比如债券、 股票、单位信托、定期存款和年金计划,这样不仅可以享受到税收节省,还可以有更高的回报。

 

5、SRS账户的限制

当然,SRS账户也存在一些限制, 若是在法定退休年龄之前提取的款项,将被处以5%的罚款。但即使这样也是很划算的!

举个例子: 如果已经连续三年在SRS存款,此时有S$45000,若想一次性提出,那么所需要缴纳的税款和罚款一共是S$2250。

但仔细一算,前三年也往SRS账户中存钱并直接节省了S$5175个人所得税。这么一看是不是很划算了!

 

更重要的是投资收益是免税的!

您的投资收益将免税收,但是您未来取款将会受到50%的税收,您的投资收益会自动转入您的SRS账户且免税收,直到取款为止。

您将会享有50%的税收优惠每当您从SRS账户取款,合格退休年龄是62岁。

 

举个例子:假如每年一位SRS会员取了40000新币,只有20000新币会被认为应纳税所得额。

每位成员的初次应纳税所得额为20000新币是免税的。SRS会员有十年的期限从SRS账户中提款。

10年后SRS账户中的任何剩余金额将自动视为一次性提款,金额的50%应缴纳所得税。

 

可以参考以下方案如何优化取款,以尽量减免任何应付税款:

首先,我们要知道,如果我们年收入20K的话,则不需要缴纳个人所得税。

第二, SRS账户提取额的50% 会列为当年的个人收入,缴税。

第三,如果我们当年没有其他收入,那么我们可以提取40K出来做我们的生活费,40Kx50% =20K, 这20K算作我们当年的个人收入,刚好是不需要缴税的。

这样我们就实现了SRS完全免税的提取方案了哦!

 

最后的总结:

我们不能忽视退休计划,尤其是在生活成本高、生活繁忙的当下。

若单靠国家中央公积金计划(CPF)为我们提供退休期间的收入,对生活在新加坡的每一个人来说,可能是不充裕,甚至是不够的。

正因如此,很多新加坡人在有中央公积金的情况下,仍继续为养老生活存钱。使我们在最需要的时期能够继续享受高质量的生活方式。

与过去相比,新加坡人的寿命更长也更健康了。许多人把退休看成人生新阶段,有更多时间追求自己热爱的活动与嗜好,那么充足的资金支持是万分必要的。

所以, SRS账户就成为了在新加坡工作与生活的人们的优选

来一起搞起来,多省钱多开源多赚钱!慢慢变富做得到!

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:

JolysseWu 邬宇思

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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
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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