新加坡以其完善的养老金制度(CPF中央公积金)广受各国好评和学习,但除了强制性的CPF,还有一个自愿性的养老计划,即Supplementary Retirement Scheme (SRS)。年尾,生活在新加坡的人特别是高收入人群都喜欢做SRS相关的事情,以下有关SRS的6大重要问题,帮助你更了解SRS。
1. 什么是SRS?
SRS是新加坡政府推出的自愿性养老计划,作为CPF的补充。与CPF不同,SRS允许个人自愿存入资金,为未来退休生活做规划。
2. SRS的好处
税务减免:存入SRS账户的金额可以减少当年的应纳税收入,从而降低税负。根据收入和身份的不同,节税额度可从200新币到6,000新币不等。以一个应纳税收入为12万的工作人士举例,存入SRS账户1万5千3,即可省税1759.50新币,收入越高,省得的额度越大。外国人每年的额度是3万5千7。
3. 为什么现在进行SRS存款?
每年报税季在次年3-4月,但税务抵扣的资格必须在12月31日前完成。所以,如果你希望减少明年的税负,必须在该日期前将资金存入SRS账户。
4. 如何开设SRS账户及申报流程
5. 为什么需要用SRS资金进行投资理财?
存在SRS账户中的现金年利率仅0.05%,基本忽略不计。因此,单靠存款可能跑不赢通货膨胀,导致退休时资金贬值,投资理财可以帮助抵御通胀,并追求潜在的资产增长。
6. 做SRS要考虑的因素和适用性?
存入SRS的钱必须等到法定退休年龄(目前为63岁)后才能提取。如在退休前取出,将面临5%的罚金。退休后的税务计划:在63岁(或法定退休年龄后),每次提款的50%将计入个人应纳税收入。因此,退休后的提款安排也需慎重规划,以避免过高税负。
是否适合每个人?SRS并非适合所有人,需要根据个人财务状况、需求和规划进行判断。建议与专业人士咨询,确保充分了解SRS的规则和自身需求,选择最优的理财方案。
如果你对SRS有问题或想了解SRS账户的投资方式,欢迎联系我。
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.
您好,我是洪娜(Hongna),现任新加坡理财顾问公司 Financial Alliance 鑫盟理财的资深理财顾问,拥有8年从业经验,持有国际金融理财师CFP®认证及AEPP高级认证,并荣获新加坡银行与金融学院(IBF)高级认证。
我专注为职场人士、家庭及企业提供全方位的财务保障和理财规划服务,特别致力于成为在新加坡的华人、新移民及其公司最值得信赖的财务规划伙伴。
我从单一保险公司起步,现已全面转型为独立理财顾问,始终秉持“客户优先”的原则,为客户提供中立、客观、专业的财务建议。无论是医疗保险索赔、教育与养老规划,还是企业员工福利与商业保险,我都能为您量身定制解决方案。
我希望成为您家庭和企业财务的“急救工具箱”,在风险来临前预先准备好合适的工具,在关键时刻提供及时、准确的帮助。
Hello, I’m Hongna, a Senior Financial Advisor at Financial Alliance – the largest Independent Financial Advisory (IFA) firm in Singapore – with 8 years of experience in the industry. I hold the CFP® (Certified Financial Planner), AEPP certification, and the IBF Advanced Level accreditation from the Institute of Banking and Finance Singapore.
I specialize in delivering holistic financial protection and planning solutions for professionals, families, and business owners – with a particular focus on Chinese expatriates and new immigrants in Singapore.
Transitioning from a tied agency to an independent advisory platform, I stay committed to putting my clients’ best interests first, offering neutral and tailored financial solutions. Whether it’s claims for hospital insurance, planning for education or retirement, or setting up employee benefits and corporate insurance, I aim to be your go-to advisor for all financial protection needs.
My goal is to serve as your Financial First Aid Kit – having the right tools (plans) ready in advance and applying them correctly when needed.
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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.
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By submitting this form, I confirm that
提交此表格,即表示
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