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新加坡SRS投资全攻略

第一部分：了解SRS

1. 什么是SRS？

SRS，即新加坡退休辅助计划（Supplementary Retirement Scheme），是一项由新加坡政府于2001年设立的自愿性财务计划。其目的是帮助新加坡公民、永久居民和外国人建立健全的退休计划。

2. 谁可以加入SRS？

新加坡公民、永久居民以及在新加坡工作的外国人都可以加入SRS。

3. SRS的好处

SRS最引人注目的好处之一是减税。通过在每年12月31日之前将资金存入SRS账户，您可以在报税时享受相应的税收减免。公民和永久居民最多可减免S$15,300，而外国人最多可减免S$35,700。这为您的财务计划提供了有力的支持。

第二部分：投资SRS的智慧

4. SRS的投资选择

SRS账户的投资选择包括：

  • 债券
  • 股票
  • ETF（交易所交易基金）
  • 房地产信托基金（REITs）
  • 新加坡储蓄债券
  • 基金
  • 保险产品（如退休年金险等）
  • 定期存款

5. 投资SRS的注意事项

  • 提前在法定退休年龄之前提款需缴纳税金和罚款，除非用于医疗或作为遗产取出。
  • 外籍工作人士在开设SRS账户10年以上，可在62岁前一次性取出而免罚款。
  • 在法定退休年龄之后一次性取出需补缴50%的个人所得税，但每年取出不超过4万新币则免税。

第三部分：SRS投资的未来展望

6. 投资SRS的战略

根据个人风险承受能力和财务目标，可以通过多元化投资SRS账户中的资金，合理配置资产，以追求更高的长期回报。

7. 如何开通SRS账户？

SRS账户的开通非常便捷，可选择在OCBC、UOB、DBS等三家银行办理，或者通过在线平台完成。搜索相关银行的SRS申请页面，填写相关信息即可开通。

第四部分：结语

通过深入了解SRS，您可以制定更加智慧的财富规划，利用SRS的税收优势和多元化的投资选择，为自己的退休生活奠定坚实基础。无论您是财务专业人士还是初学者，SRS都为您提供了一个灵活而强大的工具，助您实现更富有意义的财务目标。开始您的SRS投资之旅，迎接更加光明的财富未来！

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:

Li Wenjun Olivia 李文君

非常荣幸，您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生，在新加坡最大公立医院ICU工作7年后，转行理财行业。入行之后我不断的去提升自己，结合自己的医疗背景，为客户转移潜在风险，精准配置。并且帮助客户做财务增值规划，让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户，不论您是刚毕业的年轻人，还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士，为您货比三家，优中选优，在超过150家金融合作伙伴的产品中，配置最适合您的理财规划方案。

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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
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  • 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