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新加坡定期存款利率持续下调，该如何配置你的存款才能稳健增值呢？

新加坡定期存款利率下调，你的钱还放在银行里吗？

最近，新加坡各大银行的定期存款利率再次下调。
还记得去年同一时期（2024年9月），利率还能达到 3.2%，但如今却只剩下 1.6%，几乎减少了一半。

换句话说，假如你在银行里存有 10万块，仅利息一项，每年就比去年少赚 1,600块。

更令人担忧的是，在持续的通货膨胀压力下，仅靠银行利息，几乎无法抵御物价上涨的速度。久而久之，存在银行里的钱不仅没“生钱”，还可能在慢慢贬值。

那么，有$500,000存款，该怎么做？

这是不少客户都会问我的问题。其实，除了定存，还有其他更有效的理财方式。下面给大家分享两种参考方案：

1. 分红基金 — 像收租一样的稳定现金流

分红基金的原理就是投资买房出租，收租金。

想象一下，你拿出一半存款（$250,000）去投资买一套房子出租，每个月都能稳定收租。

  • 平均年收益率可达 6%

  • 换算下来，每个月大约能获得 $1,250左右的 “被动收入”

这样的投资方式，能帮你在保留本金的基础上，持续产生现金流。

2. 全球分散投资 — 让鸡蛋放在不同篮子里

投资市场上没有百分百无风险的产品，但通过分散布局，能最大限度降低风险。可以把另一半的 $250,000 投资在全球市场。

  • 每年平均收益率 6%～8%

  • 复利效应会让财富随着时间滚雪球般增长

这就像把资金分布在不同国家、不同资产类别，既安全，又能让财富稳健增值。

把专业的事交给专业的人

理财是一门专业，需要时间、经验和策略。
你专注于事业和家庭，把资金管理交给值得信赖的理财顾问，才能真正实现财富的长期稳健增长。

记住：
要让钱稳健增长不是存在银行里，而是放在合适的地方才能最大利益化。

当然，投资有风险。在了解风险后做出决定才是正确的方式。

若想了解更多关于投资和理财，欢迎联系我。我会根据你的需求和情况给予你适合的方案。

✅ WhatsApp: +65 8680 2340 

✅ Wechat: lidwinabq

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:

Lidwina Teo 维娜

With 5+ years in client service, I’m passionate about delivering personalized financial planning that puts your best interests first. Backed by 150+ business partners, I tailor solutions to help you reach your financial goals.

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

拥有5年以上客户服务经验，我致力于提供以客户利益为先的个性化理财规划。依托150多位业务伙伴，我为您量身定制方案，助您实现财务目标。

欢迎咨询，随时为您准备方案！

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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/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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