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一文看懂：在新加坡须掌握的节税替代方案

节税一直是很多人关注的焦点，尤其是在年末期。虽然一些常见的节税工具已经被广泛宣传，但它们是否真正符合你的财务目标呢？我们不妨详细分析一下。

 

1. 普遍认知的省税工具

最受青睐的省税工具包括：

  • 充值公积金（CPF Top-Up）
  • 充值退休辅助储蓄计划（SRS Top-Up）

这两种方法能有效降低个人所得税，但也有一些限制：

  • 提款限制：只有到退休年龄后才能提取。
  • 提款应税：从SRS账户提取的50%金额要缴税，只有50%是免税的。

如果需要灵活运用资金的人，可能会觉得这些工具不太方便。省税和资金流动性之间需要权衡。

 

2. 从另外一个层面看待省税

让我们换个方式来思考税收：

个人所得税是每个工作者的责任。通过政府认可的省税工具减少税负当然是好事，但如果这些工具限制了资金流动该如何应对？

这时，投资可以成为一个替代选择。

  • 投资的好处：
  1. 通过投资赚取利息，用利息支付税款，同时保留本金。
  2. 投资更灵活，不需要等到63岁才能取款。

这样不仅更灵活，也能让资金更有效地增值。

 

3. 省税的另一种途径：定投优质基金

另一种简单而受欢迎的省税方法是定投优质基金。

你可以将原本用来充值CPF和SRS的资金投入优质基金，利用复利效果获得收益，从而抵消税收成本。

举个例子： 一位年收入$80,000的新加坡PR（已居住3年以上）

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：
    • 充值$8,000到CPF账户，可省税$560，剩余税款$1,400。
    • 充值$15,300到SRS账户，可再省税$1,060.50，最终税款$339.50。

总结：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“年度奖金”。
  • 如果收益稍低于税款，也只是重要现金流的合理成本。
  • 关键是资金保持灵活，不受63岁提款限制。

 

4. 结语

最后，省税是每个人都关心的话题，但最关键的是找到最适合自己具体情况的策略。每个人的财务状况、收入、支出和税务需求都不同，因此需要根据个人的具体情况制定合适的节税方案，而不是盲目跟随他人的做法。

 

如果您想了解适合自己的节税方案或配置一份个人化节税计划，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 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:

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。

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。

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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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