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新加坡OCBC银行利息降到3.3%，你的钱可以放在哪里？

新加坡OCBC银行利息降到3.3%，你的钱可以放在哪里？ — Engage

你有没有注意到？
银行利率最近又下调了。
就连以高利息著称的华侨银行（OCBC），最新的定期存款利率也只有 3.3%。

对保守型投资者来说，3.3% 可能已经是个不错的选择；但对于有一定储蓄、希望资产能够跑赢通胀、稳健增值的人来说，是时候探索更多元的资产配置方式了。

以下是我为不同资金段的投资者梳理的五种选择，帮助你判断是否适合自己。

💼 资金在50万新元以上

✅ 工具：指数挂钩的大额存单（Structured Deposit with Equity Index Linkage）

是什么？
这是一种将本金投入银行存款、同时挂钩股票指数（如S&P 500、STI）的金融产品。
它通常由银行发行，设计为在本金保障的基础上，有机会享受市场上涨带来的收益。

适合谁？
追求稳健、希望在不亏本金的前提下有机会获取高于银行利率的投资者。

特点：

  • 本金保障：市场下跌时本金无损
  • 收益潜力：市场上涨时，历史最高年化收益可达8.25%
  • 历史平均年化回报约6.1%（根据过去发行产品数据）
  • 锁定期：一般为1-3年，不适合随时赎回

💼 资金在35万新元左右

✅ 工具：固定票息结构性票据（Fixed Coupon Note, FCN）

是什么？
FCN是一种结构性投资产品，通常挂钩于股票、商品或指数等标的资产。
在一定条件下（如标的价格未触发敲入价），投资者可按期收取固定票息。

适合谁？
愿意承受一定波动、但希望有固定现金流的中级投资者。

特点：

  • 票息范围广：年票息在 2% – 20%，根据挂钩标的及风险定价
  • 挂钩资产多元：例如黄金、麦当劳、Meta、苹果等科技股
  • 期限一般为1年

最差情况：标的大跌时，可能需要以市价接收相关股票（等于变相买入）

历史数据参考：

多数产品实际票息约在10%-12%

有资本损失风险，但设计上有缓冲区间保护

💼 资金在25万新元左右

✅ 工具：公司债券（Corporate Bond）

是什么？
债券是公司向投资人借钱的一种方式，到期后偿还本金并支付利息。信用等级高的公司债券，风险相对较低，收益稳定。

适合谁？
偏好长期稳定收入、风险偏好较低的投资者。

举例：

淡马锡债券：新加坡主权投资机构发行，AAA信用评级

票息约为 3.2% – 3.85%

星展银行债券（DBS）：BBB+评级，票息一般在 3.5% – 5%

特点：

  • 本金到期归还，期间定期支付票息
  • 可在二级市场买卖，但价格随市场波动

💼 资金在15万新元左右

✅ 工具：分红基金（Income Fund）

是什么？
分红基金是一类以定期派发红利为目标的基金产品，通常投资于债券、股息股、REITs等可产生收入的资产。

适合谁？
希望定期获得现金流、接受一定市场波动的投资者。

特点：

  • 年派息率约5% – 6%
  • 超过4000只产品可选，如PIMCO、Fidelity、Schroders等知名基金公司
  • 单位价格波动：短期可能浮亏，但一般 持有5-9个月，分红可部分覆盖波动
  • 可选择月配息或季度配息

💼 资金在5万新元以上

✅ 工具：分红基金 + 指数基金定投

是什么？

分红基金：提供稳定现金流

指数基金定投（DCA）：通过每月定额买入指数基金（如S&P 500），长期获取复利收益

适合谁？
刚起步投资、资金有限、但有长期投资决心的朋友。

策略组合建议：

  • 每月定投$500-$1000，长期持有
  • 利用复利效应，15年后资产有望达到30万新元
  • 达到新阶段后，再考虑大额存单、债券或FCN等进阶工具

✅ 结语：资产配置，不是“有钱人”的专利

无论你的资金是5万、15万还是50万，都有适合你的投资策略。
重要的是，选择你理解的产品，承担你能接受的风险。

如果你也觉得“单靠定存已经不够”，
那现在就是时候重新布局你的资产组合了。

📩 如需进一步了解各类工具的适用情况、税务与监管限制，欢迎和我聊聊。
我会根据你的风险偏好、财务目标与人生阶段，设计更适合你的方案。

Jolysse Wu 邬宇思
独立财务顾问｜专注海外配置与长期财富规划
感谢每一位客户的信任与支持 💼💖

新加坡OCBC银行利息降到3.3%，你的钱可以放在哪里？ — 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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JolysseWu 邬宇思

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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