公积金3户头第三季度利率重回4.08%,底利率的普通户头如何投资?

今年7月1日至9月30日,公积金特别户头、保健储蓄户头和退休这三个户头的利率为4.08%,比第二季增加0.03个百分点,第一季度也曾达到4.08%。普通户头年利率将保持在2.5%,建屋局优惠房贷利率也相应维持在2.6%。

普通账户利率只有2.5%,对于当下的较高利率水平,2.5%的利率算低了。其实CPF公积金账户里的钱是可以用来投资以增加退休储蓄的。本文带你了解公积金投资计划:

  1. 谁可以参与公积金投资计划(CPFIS公民和PR在满足以下条件时,可以参与CPFIS投资:
  • 年满18岁;
  • 不是未解除破产状态;
  • 普通账户(OA)中有超过$2万;和/或
  • 特别账户(SA)中有超过$4万;以及
  • 已完成公积金投资计划自我认知问卷(SAQ)(适用于2018年10月1日后新投资者)。
  1. 可以投资的公积金储蓄有多少?公积金投资计划- 普通账户(CPFIS-OA)在保留$2万于普通账户(OA)后,超过2万的部分可以投资。此外,你只能将最多35%和10%的可投资储蓄分别投资于股票和黄金。可投资储蓄指的是你的OA余额以及你已用于投资和教育的公积金总和。其实我们的CPF里都已经算好了,只需登录查看即可。公积金投资计划- 特别账户(CPFIS-SA)在保留$4万于特别账户(SA)后,超过4万的部分可以投资。
  2. CPF网上查询可用于投资的普通账户(OA)和特别账户(SA)储蓄
  • 使用你的Singpass登陆网站my cpf > 选择my cpf > My dashboards > Investment;
  • 使用你的Singpass登录CPF Mobile应用程序> 选择My Investment;或者
  • 携带你的身份证前往任意CPF服务中心。

4. 可投资的产品

公积金3户头第三季度利率重回4.08%,底利率的普通户头如何投资? — Engage

将公积金储蓄投资于各种投资产品,是为了增加退休储蓄。然而,公积金局并不推荐任何特定的产品提供商或包含在公积金投资计划(CPFIS)下的投资产品。上图为可投资产品列表。

5. 投资前需要考5个因素所有投资都有风险。了解各种投资选项的风险可以帮助你更好地决定哪些投资最符合你的投资目标、风险承受能力和个人情况。

  • 投资目标:了解你为什么要投资,并设定一个投资目标(例如,设定一个长期目标,在25年后为退休将储蓄增长到$X)。
  • 风险承受能力:你能承受和能够承担多少风险?你能应对投资中的短期暂时性损失吗?你有足够的储蓄来吸收投资风险吗?
  • 投资时间周期:考虑你的投资期限。由于公积金储蓄是为你的退休准备的,它们通常是用于长期目的的,除非你临近退休或有其他短期投资需求。
  • 整体财务状况:考虑你的财务承诺以及你在退休期间维持生活所需的金额。如果除了公积金储蓄之外,你还有其他为退休准备的资产,这些资产是如何投资的?
  • 机会成本:考虑你从公积金账户中获得的利率以及投资的成本(即投资产品的费用和收费)。只有在你有信心赚取超过公积金利率的情况下,才应该投资你的公积金储蓄。

最后记得,所有投资都伴随着风险。如果你不确定是否应该投资,应将资金留在公积金账户中,以赚取无风险利息。

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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:

Wang Hongna Anna

您好,我是洪娜Hongna,是新加坡最大独立理财顾问公司Financial Alliance鑫盟理财的资深理财顾问,拥有6年+的行业经验。

专注于为职场人士和家庭提供全面的财务保障服务,致力于帮助客户建立安全的保障体系和理财方案。特别是成为在新加坡的华人和新移民值得信赖的理财顾问。

专业学术背景和经历

山东财经大学经济贸易本科学位,拥有新加坡银行和金融学院认证,国际金融理财师认证CFP®。过去的学术背景和不断的自我提升,让我具备了坚实的理论基础,使我能够更好地为客户提供财务规划方面的建议。并且坚信终身学习是作为一名理财顾问的基本要求。

从开始的AIA单一保险公司转换到现在的独立理财顾问公司,始终保持以客户为中心,中立,客观的为客户进行财务规划。在基本医疗保险申请索赔和教育,养老规划上有经验。 希望成为您家庭财务的急救工具箱,事先准备好工具(规划方案),并在需要的时候能够快速地,正确地使用工具。

具体提供以下财务规划服务:

  • 风险管理(医疗保险和人寿保险)
  • 财富保障规划,保险规划以及年检
  • 教育养老规划,投资规划以及年检
  • 传承规划(CPF提名,LPA, 遗嘱等)

欢迎链接我,成为您财务保障和规划上的好伙伴。

CFP®️ Certified Financial Planner

Hello, I am Hongna, a senior financial advisor at Financial Alliance, the largest IFA firm in Singapore, with over 6 years of industry experience.

Specialized in offering comprehensive financial protection services for professionals and families, dedicated to helping clients build secure insurance systems and financial plans for themselves and their loved ones. My goal is to become a trusted financial advisor, especially for Chinese individuals and new immigrants in Singapore.

Focus on providing services:

  • Risk Management(Health Insurance & Life Insurance)
  • Insurance portfolio Planning & Review
  • Investment Portfolio Planning & Review
  • Education and Retirement Planning
  • Estate Planning (CPF Nomination, LPA, WILL)

Feel free to connect with me; I look forward to being your trusted partner in financial protection and planning.

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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/.

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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.
  • 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。
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  • 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.
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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