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在新加坡值得考虑 REITs 的 6 大理由

对于新加坡的工作认识来说，规划好退休生活是一件非常重要的事。除了传统的投资选项，比如股票和债券，其实房地产投资信托（REITs）也是一个非常值得考虑的选择。它们有一些特别适合退休目标的优势，以下是六个关键理由，为什么 REITs 应该成为您退休计划的一部分：

1. 流动性强：在不确定的时代给你安心感

和实体房产不同，REITs 的流动性非常高。它们的单位可以在股票交易所轻松买卖，需要用钱的时候，随时可以变现。这一点对退休人士特别重要，万一遇到突发的医疗开销或其他紧急情况，有 REITs 在手，就不用急着卖掉那些本来想长期持有的投资。

2. 高收益：提升你的退休收入来源

很多新加坡的退休人士都希望有稳定的收入来维持生活品质。而 REITs 在这方面表现突出，通常能提供 5% 到 9% 的股息收益率，比起银行储蓄账户或债券，这个回报率高了不少。通过精心挑选的 REITs 投资组合，您可以享受到一条稳定的收入流，补充退休金和社保。

3. 税务优势：省下更多辛苦赚来的钱

在新加坡，投资 REITs 有显著的税务优势。REITs 的分红大多是免税的，这意味着您可以把投资赚到的更多钱留在自己手里。相比之下，实体房产出租的租金收入需要缴税，还可能面对资本利得税。此外，REITs 也没有实体房产那样的费用，比如房产税、中介费和维修费，这让 REITs 的持有成本更低，回报更高。

4. 省心省力：享受退休生活，不用当房东

管理实体房产是一件又费时又费力的事。从找租客、处理维修，到收租金和监督维护，琐事一大堆。而投资 REITs 则完全不需要操心这些日常事务，因为有专业的管理团队帮你处理一切。这样，您就可以放松享受退休生活，不用为房东的责任烦恼。

5. 多元化：分散风险，降低波动

一个好的 REITs 投资组合可以带来很好的多元化效果。REITs 可以根据物业类型分类，比如写字楼、零售、工业或酒店，也可以跨地域投资，包括新加坡本地和海外资产。这种多元化可以降低风险，避免投资组合过于依赖某一类物业或某个市场的表现，从而带来更多的稳定性。

6. 资本增值潜力：用房地产对抗通胀

除了产生收入，REITs 还有资本增值的潜力。因为 REITs 背后的资产是房地产，而房地产价值通常会随着时间上升，尤其是在通胀时期。这种对抗通胀的特性让它们成为退休投资组合中的宝贵资产，能够长期保护您的储蓄购买力。

把 REITs 融入您的退休计划

虽然 REITs 有很多优势，但它们也有一定的风险，比如市场波动和利率变化可能会影响其表现。因此，在投资前一定要做足功课，或者咨询专业的理财顾问。

通过挑选适合自己风险承受能力和投资目标的 REITs，您可以利用它们独特的优势，打造一个稳健的、能够产生收入的退休投资组合。REITs 提供了稳定的收入流、税务优势、多元化和资本增值的潜力，而且还方便省心。如果您正在规划自己的退休生活，不妨给 REITs 一个重要的位置。

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:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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  • 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.
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  • 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。
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  • 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。
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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