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如何在新加坡建立稳定的被动现金流？

前几天一位以前在上海工作的老同事约我喝咖啡，地道新加坡人，企业高管，今年行情不好， 主动举手拿了一个丰厚的离职包，回来后就纠结是直接退休了还是再找工作？再找工作年龄又很尴尬，近60岁企业也会有用工年龄的考量。
其实我在离开上海到新加坡生活就面临过这样的转折点，一方面新加坡生活成本很高， 另一方面离开工作环境，又没有社交圈子，久而久之就会跟社会脱节，人会越来越颓废，这就是我休息了半年后还是要出来工作的原因。现在流行叫Never Retiree.
离开自己熟悉的工作圈或者生活圈， 除了生活上的经济需求，精神上的焦虑也许更甚。如果在自己年轻时就建立自己的被动收入，在面临人生转折的时候焦虑的情绪会减少很多。
所以今天聊聊在新加坡如何建立自己的被动收入？
1）CPF life 公积金

新加坡人的基本保障，年满55岁时，公积金局将为我们开设一个退休户头（RA)，并将普通户头(OA)和特别户头(SA)的存款转入退休户头。

65岁开始终身领取退休金，每月入息的数额是根据退休户头内的存款，还有你所选择的退休计划而定。2025年起，公积金退休户头的超额存款顶限，将从现有基本存款的三倍，提高至四倍，现有的超额存款，每月可领2530元， 新顶限为42万6000元。从65岁起可获得3330元的每月入息。退休金的提高也是政府看到这几年通货膨胀太厉害，生活成本比疫情前增加了很多。

公积金的退休计划其实也是一个由政府担保的年金，最近几年虽然公积金计划也做了一些改动，但总体还是不错的。新加坡的公民或者PR首选还是存入公积金账户。

2）房 产

在新加坡买的第一套房通常都是政府组屋，租售比太高了，年轻家庭都可以负担，工作几年首付5%通常用公积金就可以支付了，不但解决了住房的问题，现金占用也不多。

过些年居住升级再买一套公寓，是本地人很普遍的投资习惯，无论是把组屋还是公寓租出去，不但获得租金收入，同时还能享受房产增值带来的收益。

新加坡小地方，土地资有限，长期来看房产投资是可以保值增值的。缺点就是： 投资金额比较高，房屋持有费用也要考虑进去： 比如印花税，中介费，装修费，物业费等等，另外租金收入还要计入到个人所得征收所得税，另外买入时点非常重要的，买在高点的房产可能需要等下一个房产高点才能解套出售。

3) 带派息功能的基金和股票

本地人很喜欢买新加坡三大国有银行的股票， 每年大概4%-5%的分红 。分红用来做生活费，股票的波动不考虑， 长期持有股票表现也非常稳定。

另外还有债类基金， 市场上有不错的派息分红债基， 年化6%+。另外Reits（房地产信托基金）也是新加坡比较不错的一个标的物。

但要注意的是任何投资都有风险，如果基金的年化收益率低于它的派息率的，派发出去的股息超过它实际赚到的钱，那么基金就会透支它的本金，这个是需要注意的地方。

4）保险公司的储蓄年金险

保险公司推出的保本产品，收益由保证回报+非保证回报组成。交费方式灵活：可以一次性缴费，或三年到20年缴纳，累积一段时候后开始领取收益， 交费方式和领取时间都很灵活的，可以按照自己的需求来定制产品。这类产品适用于保守型，不想承担投资风险的客户。

底层逻辑就是投保人把资金交给保险公司，由保险公司做投资管理，并且给我们演算表收益的产品，所以这类产品是下有兜底， 上有封顶的产品，而新加坡这边规定高达70%的保单资金是投资在固收类资产中，风险很低。这类产品的缺点就是流动性差，因为储蓄年金的期限都很长，提早退保的收益是不高。及早行动，建立适合自己的被动现金流组合，利用时间和耐心，从现在开始慢慢积累，不远的将来你一定会拥有一个能下鸡蛋的老母鸡了！

本文不作为资产配置建议， 想要配置的读者可以咨询我或者自己的财务规划师。
欢迎联系我微信NicoleSU2020或者whatsapp 87624468。

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:

Su xiaoning

Hi, I’m Nicole, 中文名 苏小宁.

感谢访问我的网站， 我来自中国：上海， 家有两娃， 2018年搬来新加坡，之前一直电信行业工作多年。

我爱美食， 国学，爱打羽毛球， 爱交朋友。在这份工作之前我就做过多年投资，读过MBA,  我热爱这份工作，因为这份工作可以让我接触各行各业的人，我的客户也是我的朋友 ，专业是客户给我最多的评价！ 

不忘初心， 做个有温度有专业的财务规划师是我的毕生工作，我愿意做一位永不退休者， 终身学习者。

目前我的服务内容如下：

  1. Cash Flow Management
  2. Wealth Accumulation – Retirement & Education
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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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  • 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.
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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