一文了解SRS账户:既能储蓄又能省税

作为新加坡的上班族,你可能每天都在为事业努力,收入也不错,但高额的税收却让你觉得辛苦赚来的钱不少被“扣走”。你是否也在考虑,有没有办法既能省下些税,又能为未来的退休生活做些储蓄呢?别着急,终身退休储蓄计划(SRS)可能正是你需要的利器!这里有一些实用的小贴士,帮助你省税、积蓄,为未来的财务自由打下基础。让我们一起看看,如何利用SRS,让每一分钱都花得更有价值吧!

 

1. 什么是SRS?

新加坡退休辅助计划(SRS,Supplementary Retirement Scheme)是政府为应对老龄化社会和养老金需求而推出的自愿性储蓄计划。与强制性的中央公积金(CPF)不同,SRS鼓励新加坡公民、永久居民及外国人在税务优惠的支持下,为退休积累额外资金。SRS账户持有人可以灵活地在退休后提取资金,并享受税务减免,鼓励人民提早为未来做好更充分的退休规划。

 

2. SRS计划的特点

I. 自愿参与

SRS是一个完全自愿的计划,任何符合条件的新加坡公民、永久居民或外籍人士均可开设账户。SRS计划没有强制性,参与者可以自行决定是否参与,通过SRS账户存入的资金将作为退休养老金的补充来源。

II. 税务优惠

SRS的最大优势在于减税。只需在每年12月31日之前将资金存入SRS账户,您就可以在下一年报税时从应纳税收入中扣除相应金额,从而减少当年的个人所得税。新加坡公民和永久居民每年最多可享受S$15,300的税收减免,而外国人则可享受最多S$35,700的减免。

一文了解SRS账户:既能储蓄又能省税 — Engage

III. 多元化投资选项

SRS 账户缴款每年的利息仅为0.05%,因此建议将账户中的资金用于投资,以获得更好的回报。账户持有人可以选择投资新加坡上市股票、债券、单位信托、定期存款或退休年金等产,这样不仅可以享受税收节省,还能通过投资获取更高的回报

 

3. SRS的税务优惠与节税优势

SRS计划的主要优势在于其税务优惠。每年年底12月31日前向 SRS 账户存款时,可以即时降低当年的应税收入,从而减少个人所得税。例如,如果一位年收入为S$20万的新加坡公民存入 S$15,300至SRS 账户,他的个人所得税将从S$21,150 降至 S$18,396而如果外国人存入 S$35,700,他的税额则会减少至 S$14,724。这种税务减免对高收入人群来说尤其有利。

一文了解SRS账户:既能储蓄又能省税 — Engage

 

4. SRS账户提款条件与税务管理

1) 提取条件

  • 新加坡公民与永久居民: 可在达到法定退休年龄(目前为62岁)后提取SRS账户中的资金。
  • 外国人: 在存款满10年后,便可提取SRS账户中的资金。

在提取SRS存款时,无论是新加坡公民、永久居民还是外国人,都需要补缴当初应缴的所得税的50%。

每位成员的初次应纳税所得额为S$20,000是免税的,SRS会员有十年的期限从SRS账户中提款。10年后SRS账户中的任何剩余金额将自动视为一次性提款,金额的50%应缴纳所得税。

 

优化SRS账户取款以尽量减少应付税款的方法可参考如下:

首先,我们需要了解:

  • 如果年收入是S$20K或以下,则不需要缴纳个人所得税。
  • 从SRS账户提取的50%会作为当年个人收入缴税。

✓ 策略:如果当年有其他收入来源,可以通过选择合适的时间点提取SRS资金,以保证合并收入后总额不超过免税门槛。

举例:假设你当年已有S$10K的收入,再提取S$20K的SRS资金(20Kx50%=10K),总收入将是20K,仍在免税范围内。

 

2) 账户限制

如果新加坡公民或 PR 在法定退休年龄前提取 SRS资金,将面临5%的罚款,并需缴纳全额税款。然而,在特定情况下如医疗原因或破产,可以免于罚款,但仍需补缴部分税款。

一文了解SRS账户:既能储蓄又能省税 — Engage

 

5. 如何开通SRS账户?

开户的方式很简单,可以去柜台或是直接通过网上银行开户。对于外国人,需要在开户时通知银行自己并非 PR,以确保能够存入更高的限额。首先我们先了解一下新加坡SRS的开户银行,SRS账户由三家新加坡本地银行经营商管理,分别是:

  1. DBS-星展集团控股有限公司 
  2. OCBC-华侨银行有限公司 
  3. UOB-联合海外银行有限公司

开通账户要符合以下资格标准: 

  • 至少18岁 
  • 不是未清偿债务的破产者 
  • 未患有精神障碍,且能够自我管理及处理个人事务

 

总结:

在生活成本高和节奏快的今天,退休计划变得尤为重要。仅依赖中央公积金计划(CPF)可能无法提供充足的退休资金,因此许多新加坡人选择继续为养老生活储蓄,以确保在退休后仍能维持高质量的生活方式。随着人们寿命延长,退休被视为人生的新阶段,很多人希望能有更多时间追求兴趣爱好。因此,充足的退休储蓄变得至关重要。

新加坡的SRS计划为公民、PR和在新加坡工作的外国人提供了一个额外的储蓄途径。通过合理利用SRS,不仅能减轻当年的税务负担,还能为未来积累更多财富。无论是长期投资还是退休年金规划,SRS都能帮助实现个人财务自由。

 

如想了解更多或像配置最符合现阶段需要的SRS计划,欢迎随时联系我。

微信号:a19842182457 或 WA:+65 9465 3813

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:

Martin Hsia 乙未

歡迎來到我的個人網站,我是Martin乙未,土生土長的台灣人。曾經在澳大利亞和上海求學,目前定居於新加坡。

從小便對財務與投資充滿興趣,尤其是在家庭的熏陶下,這股熱情愈加濃烈。13歲時,便在金融海嘯中擁有了人生的第一張股票,也由此踏上了投資之路。在30歲之前,我成功累積了自己的第一桶金,達到8位數字。

目前,我在新加坡最大的獨立理財顧問公司工作,專注於為客戶提供資產增值和風險管理的專業服務,協助他們在多變的市場環境中穩健成長。

你可以在微信視屏號,小紅書,IG , YouTube, FB 找到我哦. 都是統一名字: 馬丁的悄悄話。

希望未來可以成為您在新加坡,投資理財的資源人士。

持續不斷為您輸出有價值的訊息,成為您在新加坡值得信賴的理財顧問。

 

 

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