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新加坡爸妈必看！一个财务方案搞定孩子教育金和自己的退休金！

大家好呀～今天咱们聊一个不少家庭都会遇到的难题——既要给孩子准备教育储蓄，还要规划好自己的退休金。是不是感觉选择特别多，不知道哪种适合自己？今天我们就用一个真实的例子来看看，怎么做到“鱼与熊掌兼得”！

案例故事：Ava的财务计划

咱们的主人公Ava，34岁，是个新加坡妈妈。女儿刚刚满2岁～Ava最近就在考虑：将来孩子上大学的费用每年可能要S$20,000甚至更多，要是当时突然拿不出这笔钱可咋办呢？而且，自己也不小了，总得早点考虑退休的生活吧！于是，Ava找了我来咨询。

我给她推荐了一款“指数型保单账户”。简单来说，就是通过这份保单，不仅可以储蓄孩子的教育金，还能把退休储蓄给安排上。Ava觉得挺心动的，那这份计划到底是怎么做的呢？

财务计划的具体操作

Ava的计划特别清晰，分成几个阶段：

  1. 第一阶段：孩子教育金储备
    女儿0到18岁的时候，Ava每年投入S$8,000，总共存15年。到孩子18岁上大学，Ava可以每年从保单里取出S$20,000，连续取4年，用来支付大学学费。而且，这笔钱是免税的哦！也不影响孩子申请助学贷款或奖学金。
  2. 第二阶段：为自己储备退休金
    女儿大学毕业了，Ava就可以专心为自己的退休做规划了。到了65岁，她可以开始从保单里每年提取S$40,000，连续15年作为退休收入。
  3. 最后保障：传承给孩子
    还有一个额外的好处，就是这份保单里还有一笔身故赔偿。也就是说，如果Ava不幸去世，剩下的资金会留给孩子，保障家庭的未来生活。

总结一下：这个财务规划的好处

这份指数型保单账户让Ava能做到两件事：

  • 孩子的教育基金和自己的退休储备都不耽误～
  • 提取的资金还免税，没有股息税、资本利得税，少了很多麻烦！
  • 孩子申请助学贷款不受影响，教育费用更加灵活！
  • 最后这份保单还有一笔身故赔偿，是额外的一份保障～

总体来说，Ava一共投入了大约S$120,000，但通过这个保单，总共可以提取到S$680,000，剩余的金额还能作为遗产，继续留给下一代。

结尾：分享给需要的朋友们

如果你也在为孩子的教育储蓄和自己的退休金发愁，可以参考这种“一举两得”的保单设计，找到最适合你家庭的财务方案！如果有问题，记得随时联系我呀！

 

下一步？

 

我是宇思，和你一起看世界。

微信：bigwusister / WhatsApp：90088276

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新加坡爸妈必看！一个财务方案搞定孩子教育金和自己的退休金！ — 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 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.

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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