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如何为孩子的大学教育筹备教育基金？How to Save for Your Child’s University Education in Singapore

新加坡家庭的实用攻略

在新加坡，孩子的教育不仅是家庭的“希望工程”，也是财务压力最集中的地方之一。尤其是考虑到大学学费不断上升，很多家长从孩子出生开始，就已经在为未来做打算。

如果你正思考该如何为孩子筹备教育基金，这篇文章会带你一步步梳理：

  • 教育开销有多少？
  • 每月要存多少钱才够？
  • CPF能怎么用？
  • 储蓄、保险、投资，哪种更合适？

💰 目前新加坡与海外大学的学费概览

根据 DBS 资料与市场统计，目前主流大学的年均学费如下：

university-cost

不含住宿、生活费、机票、书本等额外开支。

如果打算让孩子出国留学，整体花费可能翻倍，越早准备越不慌。

📝 教育金规划的五个关键步骤

1️⃣ 明确目标：本地 or 海外？公立 or 私立？

教育成本差异极大。先清楚你希望孩子走什么路线，有助于设定合理的储蓄目标。

2️⃣ 粗估总费用 + 每月目标储蓄额

假设你希望在 15 年内准备 S$100,000 教育金：

monthly-saving-return

📌 越早开始，压力越小。

3️⃣ 善用 CPF 和政府教育账户

✅ Edusave（教育储备金）

  • 政府每年为每位新加坡公民学生存入教育基金（小学约$230、中学约$290）
  • 可用于支付 enrichment 课程、CCA、学校项目等
  • 家长不可额外注资，但应优先使用

✅ PSEA（Post-Secondary Education Account）

  • 中学毕业后自动启用，可支付：
    • 理工/大学学费
    • 补习、语言课程、出国项目等
  • 可搭配 CPF Education Scheme 使用

✅ CPF 教育计划（CPF Education Scheme）

  • 父母可用 CPF OA 户头支付本地大专学费
  • 注意：这不是赠与，是无息借贷，毕业后孩子需还款给 CPF 账户
  • 优点是无需动用现金，缺点是会影响父母 CPF 累积利息和退休计划

🔍 适用对象：家庭现金有限、孩子读公立大专课程、可承担未来还款

4️⃣ 结合私人储蓄与保障型工具

investment-tool

5️⃣ 每年回顾一次，灵活调整策略

  • 收入变动后，适时提高或暂停储蓄
  • 关注投资波动，定期做资产再平衡
  • 孩子成长过程中，也可动态调整目标金额和教育路径

🔍 常见问题 FAQ

Q1：如果现在才开始，会不会太晚？
 ✅ 不晚，越早越好，但现在就是你能掌控的“最早”时间点。

Q2：CPF Education Scheme 好吗？
 ✅ 灵活度高、无现金压力，但记得未来孩子要还款，也可能影响你 OA 里的利息累积。

Q3：教育保险一定要买吗？
 不一定，但如果你希望“出事有人顶、不中断目标”，保险型储蓄是非常实用的补充工具。

✍ 总结：教育金=储蓄×时间×纪律

孩子的成长不能重来，教育机会也只有一次。越早设定目标、建立系统，未来就越从容。

🔑 记住：教育金不是靠“临时凑”，而是靠“提前种”。

📩 想了解如何结合 CPF、投资和保险，为孩子制定一套个性化教育基金计划？欢迎随时私信Katrina! 😊

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:

Katrina Cao Shaoxin曹少辛

大家好！我是Katrina，新加坡南洋理工大学研究生毕业，在会计、人事及运营领域深耕9年。这些年，我积累了丰富的行业经验，曾在对外贸易公司、零售业以及初创公司担任重要岗位。

如今，我是一名专业的理财顾问。我始终秉持“客户至上”的理念，致力于为客户提供个性化的资产与保险规划方案，帮助他们实现财务自由与财富增长。

我的专业领域包括：

  • 外国人及新移民在新加坡的资产与保险配置。
  • 出海出创企业的财产保险及员工福利配置。

我还热衷于教育，尤其推崇IB素质教育体系。我相信学习应从兴趣出发，在“玩中学”中激发孩子的求知欲与主动探索精神。希望与有相同理念的家长共同探讨教育经验，让孩子在快乐中成长。

欢迎来到我的博客，和我一起探讨财务规划及企业保险规划等话题！

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  • 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