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新加坡SRS投资全攻略

什么是SRS

SRS（补充退休储蓄计划）是新加坡的一项自愿退休储蓄计划，始于2001年，旨在帮助新加坡公民、永久居民以及外国人（EP 工作签证）为退休储蓄。SRS账户由三家新加坡本地银行管理，包括：

  • DBS
  • OCBC
  • UOB

开通账户要符合以下资格标准：

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

 

SRS 好处

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。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。

举例：若一名公民当年的纳税收入为S$120,000，并存入S$15,300到SRS账户，那么其税前收入将减少S$15,300，节省的税款约为S$1,760（S$15,300×11.5%）。

注意：个人所得税减免的年限额为S$80,000。

 

SRS 限制

SRS账户有一些限制，若在法定退休年龄之前提取资金，将会被收取5%的罚款。然而，这仍然是相当划算的。例如，如果您已经连续三年向SRS存入资金，总额为S$45,900，想要一次性提取，您需要支付S$2,295的税款和罚款。

计算一下，前三年存入SRS所节省的个人所得税为S$5,280，这样一看，还是非常划算的！

 

SRS 投资选择

SRS账户的利息较低，远不及CPF的高利率。因此，存入SRS账户的资金应尽量用于投资，以获取更高收益。通过SRS账户，您可以进行以下8种投资，帮助扩展您的退休投资组合：

  1. 债券
  2. 股票
  3. ETF
  4. 房地产投资信托基金（REITs）
  5. 新加坡储蓄债券
  6. 基金
  7. 保险产品（如退休年金险等）
  8. 定期存款

通过了解SRS，可以更聪明地规划财富，利用税收优惠和多样化的投资选择，为退休生活打下基础。不论您是财务专家还是初学者，SRS都是一个灵活强大的工具，帮助您实现财务目标。

如需了解更多，欢迎联系我，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

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您好. 我是Martin.

在新加坡定居多年 ，從大學開始接觸理財 ，到現在累積4個房地產，目前是一名獨立理財顧問，專長是幫客戶客制化理財方案。

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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