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避税又能投资？ 新加坡SRS 该怎么用？

今天聊聊SRS避税政策，全称(Supplementary retirement scheme)， 新加坡的补充退休户头， 用来鼓励大家多储蓄， 作为CPF的补充，放入SRS 的金额享受免税的同时可以配置资产，一举两得！

只要是年满18 岁的新加坡公民,PR和外国人都行哦！而且不需要申报，报税系统会直接反映出来减免。

1）如 何 开 户？

通过DBS(POSB), UOB, OCBC网银可以开SRS 账户， 外国人则需要填一个申请表（Declaration form for SRS(For Foreigners)，每年12月31号前转钱到SRS账户, PR和公民最多可以15300 新币/年封顶避税， 外国人则为35700 新币， 因为他们无需交CPF。要注意开户大概需要1周左右的时间！

2）SRS 可以做什么？

和CPF不同，SRS 账户本身利息只有0.05%， 所以这笔钱不要闲置了， 可以配置股票，ETC, 债券，REITS, 储蓄保单，基金， 101ILP等等，当然需要SRS批准清单上面的才可以哦！

我有几个客户每年存了SRS后就会来配置他们偏好的资产， 其中有一款美债相关的分红基金， 每个月派息，年化派息率在6%-8%之间， 非常稳定。

3）SRS 如何提取？

从63岁开始可以分10年从账户提取， 50%是免税的，按照目前每年2万的免税收入， 每年提取4万都是不用交税的。在没有其他收入的情况下，否则要合并其他收入一起计税（比如租金收入）！

如果10年后账户还有剩余， 就要一次性提取出来并申报当年的税率。

如果在63岁之前提取，就需要交5%的罚金+合并进当年的收入计税。

以下特殊情况除外：

身故， 重大疾病，破产或者从第一次缴费满10年的外国人。

如有疑问， 可登录税务局网站或者私我了解哦。 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：

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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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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