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新加坡的省税工具真的适合你吗？在新加坡必知的省税替代方案！

省税是许多人关注的热点，尤其是年终时节。虽然大众常用的省税工具被广泛推广，但它们是否真正适合你的财务目标呢？让我们一起深入探讨。

1. 大众了解的省税工具

最受欢迎的省税工具包括：

虽然它们确实能帮你在个人所得税上节省不少，但它们也有明显的局限性：

  • 取款限制：必须等到退休年龄才能开始取款。
  • 取款应税：从SRS账户取出的金额中，有50%需要缴纳所得税，仅50%免税。

对于需要灵活现金流的人来说，这些工具可能会带来不便。一边是省税的诱惑，另一边是对流动资金的需求，两者难以兼顾。

2. 换个角度看待省税

让我们换个思路来看税收：

个人所得税是工作者的基本义务。如果通过政府认可的省税工具减少税负，那当然是好事；但如果这些工具限制了你的现金流怎么办？

这时，投资成为一种替代方案。

  • 投资的好处：
    • 通过投资赚取利息，用利息支付税款，同时保留了本金。
    • 投资工具更灵活，不需要等到63岁才能取出资金。

这不仅是一种更灵活的方式，也能让你的资金发挥更大的价值。

3. 省税的另一种方法：定投优质基金

其中一种灵活且大众喜爱的省税方法是：定投优质基金。

你可以将原本用于充值CPF和SRS的资金投入优质基金，通过复利效果赚取收益，以此抵消税收成本。

举例：
一位新加坡PR（已居住3年以上），年收入为$80,000，他的税收情况如下：

  • 未使用省税工具：需缴税$1,960。
  • 使用CPF和SRS省税：
    1. 充值$8,000到CPF账户，可省$560，剩余税收$1,400。
    2. 充值$15,300到SRS账户，可再省$1,060.50，最终税收$339.50。

总计：省下$1,620.50的税款，但现金流减少了$23,300。

替代方案：将这$23,300投入优质基金。

  • 如果收益超过$1,620.50，就是额外的“年度花红”。
  • 如果收益稍低于税收金额，也只是重要现金流的合理成本。
  • 关键是资金保持灵活性，不受63岁取款的限制。

4. 下一步行动

省税是每个人都关心的课题，但最重要的是找到最适合自己的方式。如果你希望深入了解省税与投资工具，欢迎随时联系我！

我将根据你的财务目标和现状，量身定制一份专属的财务规划，帮助你实现财富增长与省税双赢。

📞 WhatsApp: +65 86802340
💬 微信 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 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.

Published By:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

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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
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  • 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。
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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