新加坡 | 一个30岁客户如何规划退休?不是买什么,而是从这3个维度出发

最近,我和一位30岁的客户做了一次深入的财务规划面谈。

他说:“我不是要马上退休,但我不想50岁了还对未来一无所知。”

这让我很感动。因为很多人是到40岁以后,才开始认真思考“老后怎么活”;
但如果你在30岁就有规划,你真的已经赢过90%的人。

今天这篇文章,不谈具体产品,也不谈“你该买什么”,
我想分享的是:一个30岁的人,如何用对的逻辑做退休规划。

🔍 第一步:搞清楚你想要的退休样子

退休不是某个年龄,而是一种状态。
对不同人来说,意义完全不同。

我们先从三个关键问题开始:

你希望几岁能退休?(现实建议目标:55-65岁)

你想过什么样的生活?(简朴/小资/环球旅行?)

你希望退休后每月有多少钱?(SGD 3,000?5,000?)

这位客户说:“我想60岁退休,维持现在生活水平,月花$4,000。”

那我们就倒推他需要准备多少。

 

📐 第二步:估算目标退休金总额

如果他希望退休后活到85岁(即退休25年),每月花$4,000,那他总共需要:

$4,000 × 12个月 × 25年 = $1.2M

⚠️ 这还没考虑通胀和医疗费。
所以我们抓一个目标:$1.5M 退休金,是比较实际的。

听起来很多?别担心,30岁开始其实非常来得及👇

 

🧭 第三步:制定资金准备路径(从多源头同时布局)

我建议他从三条路径并行准备退休金:

1)现金流规划:养成储蓄与投资习惯

每月储蓄 + 投资比例达 收入的20%-30%

学会“花得有计划”,自动化理财,提升资产效率

目标:用10-15年打造第一个“被动现金流来源”

 

2)长期复利系统:搭建分阶段的投资组合

30-40岁:以成长型资产为主(股票/基金等)

40-50岁:开始转为平衡型配置

50岁后:重视保本和稳定收入

我们强调的不是“赚快钱”,而是拉长时间、用系统跑赢不确定性。

 

3)政府资源 + 税务规划:善用CPF/SRS

CPF OA/SA/RA 是天然的养老金系统

配合SRS做减税 + 投资 + 延迟提款

每年可减税+积累潜在5位数资产

 

✨ 真正的重点不是资产,是选择权

我跟他说:“你不是一定要60岁退休。
你是要让自己到60岁那天,有选择不工作的自由。”

退休,不一定是退出工作。
它更像是一种 “我可以不靠工作生存”的状态。

这是一种自由,也是一种底气。

✅ 最后一页总结:

📌 30岁退休规划三步骤:

定义目标 —— 想几岁退休?每月想花多少钱?

倒推数字 —— 抓出目标退休金(建议$1.2M~$1.5M)

设计路径 —— 储蓄+投资+政府资源 三线并进

💬 如果你现在正好30岁,恭喜你,是做退休规划的黄金年龄。
你现在每存下的$1,复利后都可能为未来节省好几倍努力。

现在开始做,就不会被迫选。
你现在的每一步,都是在为未来争取自由。

我是 Jolysse 邬宇思
新加坡独立理财顾问,专注“长期被动收入系统”与“退休规划模型”
欢迎私信我,我们一起为你的未来多备一份底气 💬

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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您好。我是宇思,您也可以叫我Jolysse。

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