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2025新加坡理财指南：最佳投资、储蓄与被动收入策略大揭秘！

在新加坡，该把钱存在哪里？如何投资？在新加坡投资哪一些更好呢？在新加坡这样一个经济发达且生活节奏快的城市，如何在2025年规划自己的财务目标，是许多人关心的问题。

无论你是忙于事业的单身职场人，还是已经有家庭的精明妈妈，这篇文章将为你提供一份全面的理财指南，帮助你掌控财务、累积财富，实现财务独立。

第一步：为未来储蓄，打造安全垫

不管你是成家或单身的职业女性，你的首要任务是为家庭的突发状况做好准备：

1. 应急储蓄账户 Emergency Fund

确保至少有3到6个月的生活开支存入高利率储蓄账户。像OCBC 360 Account, UOB One Account或者iFAST Auto-sweep 这样的账户提供有竞争力的年利率，同时保证流动性。

2. 孩子教育基金

如果你有孩子，教育储蓄是至关重要的。考量通货膨胀率和未来学费上涨的趋势，通过投资定期投资计划或储蓄保险可以让你轻松应对这一挑战。

第二步：制定聪明的投资计划，跑赢通胀

投资是财富增长的关键，但也需要根据你的风险承受能力来进行选择：

1. 定投优质基金

与其自己选择ETF，不如交由专业的基金经理为你操盘。他们会根据市场走势优化投资组合，为你实现长期回报。通过每月定投优质基金，你不仅可以平均成本，还能通过专业管理应对市场波动。

2. 房地产投资信托基金 (REITs)

REITs适合那些希望通过房地产获得被动收入的人，特别是在新加坡这个房地产市场稳定的环境中。

3. 美金储蓄保险 (USD Participating Plan)

这种保险不仅提供保障，还可以帮助你积累固定收益。对那些不愿承担高风险的家庭来说，这是一种理想选择。

第三步：建立被动收入，享受财务自由

如果你希望拥有更多时间陪伴家人或专注于事业发展，被动收入是2025年需要关注的重点：

1. 长期股息股票

投资在如DBS、Singtel等分红稳定的蓝筹股上，获得持续现金流。

2. 投资稳定派息的国债（可选择新加坡或者美国的债券）

新加坡政府发行的储蓄债券（如SGS或T-bills）提供稳定的派息，是金融界的“房产投资”。凭借较低的风险和可靠的现金流，这是一种开启被动收入的绝佳方式。

3. 租赁房产收入/金融房产分红基金收入

如果你拥有额外的房地产，可以考虑长租给需要稳定住所的租客。近年来在新加坡的额外买家印花税越来越高了。如果资金不足，建议可投资在金融界的房产（例如，美国债券分红基金）。

4. 在线业务与数字化收入

越来越多的女性通过社交媒体或电子商务平台创业。如果你有兴趣，可以尝试建立自己的小型业务，这不仅是一种收入来源，也可能是一种自我实现。

总结：实现财务自由，从今天开始

无论是储蓄、投资，还是建立被动收入，这些都是迈向财务自由的重要步骤。最重要的是，每个人的财务目标与风险偏好都不同，量身定制的理财方案是成功的关键。

如果你希望针对你的个人情况和财务目标来做规划，欢迎随时联系我！

📞 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. 

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

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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.
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  • 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.
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  • 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