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新加坡的SRS退休计划，省税利器

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

  • 在新加坡指定的三大银行（DBS、OCBC、UOB）开设SRS账户，网上开户即可。
  • 存入资金后，银行会自动将金额上报至新加坡税务局（IRAS），无需个人手动申报。来年报税时，系统会自动计算抵扣额度。

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 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.

如果您希望获得更多保险理财相关的建议和帮助，欢迎联系我。

 

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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/.

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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.
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  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 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.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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