View My Profile

新加坡退休要多少钱？CPF Life够不够？

如果明天你突然被公司裁员，你现在的存款可以让你撑多久？三个月？半年？还是一年？很多人平时觉得自己有在存钱，生活也过得不错，但当收入突然停止时，才会发现一个很现实的问题：原来自己的现金储备，可能连一年都撑不过。

其实退休也是一样的道理。退休本质上就是一个长期没有主动收入的阶段。不同的是，失业可能只是几个月或一两年，但退休可能是二十年、三十年，甚至更久。在新加坡，人均寿命越来越长高达85岁，如果你计划60岁退休，未来很可能还需要准备至少25年的生活费。问题是，这笔钱到底要多少？你现在的准备够不够？

新加坡退休需要多少钱？

在新加坡，不同的退休生活方式，需要准备的金额也不一样。如果想维持

  • 高品质：大约$4000每个月
  • 中等品质：大约$2800每个月
  • 保守、基本的退休生活：大约$1600每个月

听起来好像不算太高，但如果把这些数字乘以20年，再加上通货膨胀，金额就会变得很大。高品质退休，可能需要$130万；中等品质退休，可能需要接近$95万；就算是最保守的退休方式，也可能需要$55万。如果你现在40岁，距离退休还有20年，未来的物价很可能比今天更高。也就是说，今天看起来够用的钱，到了你真正退休时，可能已经不够用了。

退休规划里面，很多人最容易漏算的一项，就是医疗费用。年轻的时候，我们可能觉得生病离自己很远，但退休之后，医疗开销往往会越来越重要。慢性病、长期护理、住院费用、重大疾病治疗，这些都有可能对退休金造成很大压力。所以退休规划不能只看生活费，也要把医疗保障一起考虑进去。如果全部靠自己的现金或 Medisave 来承担，很可能会影响整个退休生活的稳定性。

很多人会说，那我努力存钱不就好了？存钱当然是第一步，但光靠存钱，通常不够。原因很简单，通货膨胀会慢慢吃掉你的购买力。今天的$1000，20年后可能买不到今天同样的东西。你以为自己存了一笔钱，但如果这笔钱没有成长，也没有变成现金流，它的实际价值会慢慢下降。

所以退休规划的关键，不只是存多少钱，而是如何让钱持续产生收入。这就是为什么被动收入很重要。真正能让你安心退休的，不只是账户里的存款数字，而是退休后每个月有没有稳定的钱进来。

退休被动收入应该怎么建立？ 

比较理想的退休规划，不是把所有钱放在同一个地方，而是建立一个分层的现金流结构。

  • 第一层： CPF Life 加年金保险

用来覆盖最基础的生存开销，比如吃饭、水电、基本交通和保险费。这一层必须非常稳定，不能受到市场波动影响。因为不管股市好不好，经济好不好，你的基本生活费每个月都要付。所以 CPF Life 和年金保险，适合放在这一层。它们的作用不是追求最高回报，而是提供稳定、可预测的退休现金流。

 

  • 第二层：储蓄保险或退休储蓄计划

用来覆盖生活品质开销，比如偶尔上餐馆、家庭聚会、给红包、节日开销，或者一些小型旅行。这一层的重点是现金流可预测，同时有一定灵活性。如果你计划55岁或60岁退休，这一层特别重要。因为你可能还没完全靠 CPF Life，但又不想在退休初期大量卖掉投资资产。这时候，有一部分稳定的退休储蓄收入，可以帮助你度过退休前期的现金流空档。

 

  • 第三层：投资收入—派息股、REITs、股债平衡组合、基金定投等。

这一层可以用来覆盖非必要支出，比如旅行、换车、送礼物，或者提升生活品质。为什么这一层可以接受波动？因为你的第一层和第二层，已经覆盖了基本生活和日常品质。就算某一年市场不好，你最多只是少旅行一次、暂时不换车，而不是影响吃饭、水电和基本生活。这才是一个真正比较抗压的退休结构。

 

退休规划最怕的，不是开始得少，而是开始得太迟。30岁开始准备，你可以用时间和复利慢慢累积；40岁开始准备，压力会明显变大；50岁才开始准备，选择就会少很多，也需要投入更大的金额。很多人以为退休还很远，所以一直拖。但现实是，退休不是到了60岁才开始准备，而是从你还有收入的时候就要开始设计。因为当你还有赚钱能力的时候，你还有时间、有选择、有弹性。等到真的退休了，很多事情就已经来不及调整了。

如果你也想了解自己应该如何开始规划退休被动收入，或想知道 CPF Life、年金、储蓄计划和投资收入应该怎么搭配，欢迎通过 WhatsApp 联系我，一起看看你现在的退休准备是否足够。微信号：a19842182457 或 WhatsApp：+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。

 

 

View My Profile
Contact Me

CONTACT US

  • 150 Beach Road #12-01/08, Gateway West Singapore 189720
  • +65 62221889
  • +65 62221019
  • feedback@fa.com.sg
Disclosure & Disclaimer

Privacy & Cookies Policy

Data Protection Policy

Terms of Use

Terms of Use - Mobile

Fair Dealing

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 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.
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • 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.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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

Scan for Contact Details

Download Contact
Enquiry

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Estate Planning

Who Gets What?
If You Don’t Have a Will.

Find Out Now

Retirement Planning

Will I be able to retire comfortably?

Find Out Now

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 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.
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • 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.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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