新加坡 | 退休攻略大揭秘!三大支柱助你养老无忧🌟💼

Hey,小仙女们,你们有没有为了未来的退休生活做好充分的准备呢?别等到退休时才懊悔没早点规划哦!今天,jolysse要来给你们揭秘新加坡的退休金制度,以及如何靠自己打造养老财富的三大支柱。🏦💰

首先,咱们来聊聊新加坡的退休金制度。公积金系统可是我们的骄傲,连续13年在亚洲排名第一,全球也名列前茅!这多亏了我们政府的明智和高效管理。💼👍

但是,小伙伴们,别忘了,养老靠的还是自己!政府搭建了好的基础,但最终的养老财富,还是要靠我们自己的智慧和自律去打造。💪💡

新加坡的退休金制度有三大支柱,我们来一一揭秘:

第一支柱:公积金

公积金可是大家的“财富密码”,集中管理,稳健运作。SA账户年利息高达4-5%,可不是盖的!与其他投资相比,收益还是相当可观的哦!💰💼

但是,公积金投资不涉及风险。想要稳健增值,就不要考虑用公积金进行投资了,毕竟安全第一嘛!

第二支柱:公积金投资计划 (CPFIS)

这个计划就是我们给自己的钱找了一个新的去处,可以自主选择投资产品,比如股票、债券、基金等等。收益浮动,但也有更高的增值潜力!💹📈

记住,投资有风险,收益与风险并存。想要尝试的小伙伴们,建议是在距离退休还有十年以上的时间,才考虑使用公积金投资计划。🕒💡

第三支柱:SRS 退休辅助计划

这个计划更加开放,不仅适用于新加坡公民和永久居民,还可以让在新加坡工作的外国人士加入。投资灵活多样,还能享受税收优惠!🌍💼

总之,退休养老规划是一件大事,越早规划越好!政府也鼓励我们尽早开始规划,通过免税和税收优惠来给予支持。但最终,养老靠的还是自己的智慧和自律。💪🏦

所以,小伙伴们,别忘了为自己的未来多做打算哦!让我们一起努力,为美好的退休生活打下坚实的财务基础吧!💰🌟

 

如果你需要更多详细信息,请随时联系我哦。

#海外投资 #美股 #新加坡 #投资 #退休计划

你的宝库管家

Jolysse邬宇思

微信:Yusi_Wo / WhatsApp:90088276

新加坡全牌照理财顾问

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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