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Bonus 年终奖金如何最大化？CPF 退休账户充值攻略！

年终奖到账了！如何聪明规划，让你的财富增值？

每年拿到年终奖，总是让人兴奋不已！但如何避免年终奖“来得快，去得也快”？聪明的规划，能让这笔钱真正发挥价值，助你迈向财务自由。

1. 还清债务，减少负担

如果你有信用卡债务或高利息贷款，先拿一部分年终奖来还清它们。减少利息支出，就是变相赚钱！

 

2. 补充紧急备用金

突发情况随时可能发生，确保有 3-6 个月生活费 的紧急储备，是稳健理财的关键。年终奖是补充这笔资金的好机会！

 

3. CPF自愿加额，减税又增值

在新加坡，CPF自愿加额 是一种聪明的理财方式，不仅能帮你为退休生活做好准备，还能享受税务减免！用年终奖来增加你的CPF存款，让你的未来更加稳固。

 

4. 投资分红基金，打造被动收入

想要钱生钱？分红基金是一种稳健的长期投资，每年还能获得被动收入！把部分年终奖投入分红基金，让你的财富为你持续工作。

 

5. 规划大额目标

是否计划买房、换车、或者存孩子的教育基金？这笔年终奖可以作为一笔重要的启动资金，帮你更快实现这些目标。

 

6. 适当犒劳自己，但要适度！

努力了一年，适当奖励自己是应该的，但关键在于控制比例。可以留一部分年终奖用于旅行或购买心仪的物品，但不要让它影响你的长期财务规划。

 

最后一步？

想要更好的理财建议，让你的财富不断增值？欢迎和我聊聊，一起制定适合你的财务规划！

✅ WhatsApp: +65 86802340

📩 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
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  • 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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  • 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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  • 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.
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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