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新加坡中年人的存款应该要有多少？

过去十年，新加坡每个季度的平均个人储蓄率约为 31.1%。到了 2025 年第3季度，个人储蓄率约为 33.5%。关键原因在于新加坡的CPF强制储蓄制度。55 岁以下的在职人士，每月约有 37% 的薪资 会被存入公积金账户，由雇主与员工共同缴付。在扣除生活开销、房贷、车贷和家庭支出后，要在 CPF 之外再额外存钱，其实并不容易。 通常来说，如果你能存税后收入的 20%–30% 就已经处在合理的理财轨道上了，低于 20% 就该检视开销了（友好参考）。 当然，这仍然取决于个人的具体财务状况和支出习惯，每个人的最佳储蓄比例可能有所不同。

 

不同年龄层应该有多少存款？ 

为了粗略估算随年龄增长的储蓄目标，我们可以采用以下假设：从 23 岁开始工作，初始没有其他储蓄或额外收入，工资在整个职业生涯中保持不变，个人储蓄率稳定不变，储蓄不会自然增长且考虑通货膨胀对购买力的影响，同时计划 65 岁退休，且不包括公积金（CPF）等强制储蓄账户。需要注意的是，实际情况可能受到多种因素影响，尤其是年纪较大的人在职业早期储蓄率低、收入有限，因此实际积累的储蓄可能与理论估算存在差异。

 

如果只通过储蓄，一个普通的新加坡人在他们65岁时可能会积累超过563,696 万新元的存款。当然，要考虑通过投资来增加储蓄，有几种方法可以帮助我们达到这个目标。 通胀会削弱现金购买力，因此投资是财富增值的关键。常见选择包括 股票/ETF、单位信托、保险投资和房地产。建议将工资的 10%–15% 用于投资，即使是小额（月 1,500–2,000 新元）长期坚持，也比一次性投入更有效。

个人理财本质上高度个性化，每个人的财务状况、需求和目标都不同。背景、家庭支持和责任各异，有些人可能背负家庭负担或晚年才毕业，有些人则能无债起步。数字目标固然有用，但脱离自身情境盲目追求，只会适得其反、打击士气。记住，理财是你的路，不是别人的。

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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，我在新加坡最大的優質理財顧問公司工作，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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  • 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.
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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