新加坡子女教育规划

规划孩子的教育 – 新加坡最简单直接的财务规划

在新加坡,为孩子的教育进行财务规划是一件简单而直接的事情。新加坡政府真的是非常体贴入微,多方加强经济援助计划,切实帮扶中低收入家庭应对教育开支,让父母们省心省力,专注于孩子的成长。
政府提升了多项经济援助计划的家庭收入顶限,使更多家庭获得资助。比如,申请教育经济援助的家庭总收入顶限由3000元提高至4000元,人均收入顶限从750元调升至1000元。这样一来,更多学生能够享受助学金和补贴,覆盖中小学到中学后教育阶段的需求。
此外,校车和公共交通补贴也相应提高。小学生的校车费补贴从65%提高到70%,中小学生的公交补贴由每月17元增至21元,减轻了日常交通负担。大学先修班的助学金也由每年1200元增至1600元,支持学生专注学业不为费用所扰。
在新加坡,孩子在中小学阶段的教育花销相对较小,财务规划的重点主要应放在孩子上大学时所需的费用。根据2025年的数据,新加坡公立小学对新加坡公民学生基本免学费,而中学阶段学费也仅为每月数十新币,属于较低水平。多数中小学的主要开销更多是校车费、课外活动以及杂费,这些支出相对容易通过日常预算管理应对。
相比之下,大学阶段的学费和相关开销明显较高,需要家长提前做好较为系统的资金规划。大学及大学预科阶段的学费因课程和国籍不同而变动较大,尤其是国际学生或永久居民的费用明显高于本地公民。政府虽提供多项助学金和补贴,以减轻家庭负担,但家长为大学教育准备的储蓄仍是规划的关键。

在新加坡上大学的费用大致包括学费和生活费:
学费方面,新加坡公立大学的本科每年学费大约在1.1万到3.9万新币之间,理工科、商科、社科等热门专业年费用约3万到3.9万新币,医学专业则最高可达17.5万新币左右。
生活费因个人生活方式差异较大,一般每年约在9000到17000新币之间(约4.6万到8.7万人民币),主要包括住宿、饮食、交通、通讯等。
综合来看,普通公立大学本科生一年总费用(学费+生活费)大约在2万至5万新币之间,换算成人民币约10万到25万元左右,视具体专业和生活方式而定。

假设每个月为子女教育存款500元,按年复利计算,每年存款总额为500元×12个月=6000元。
•存10年后,大约可以有86,919元;
•存20年后,大约可以有274,572元。
这个计算方式是每年复利一次,年末存入6000元累计增长的结果,与按月复利稍有差异但数额规模差距不大。
由此可见,新加坡孩子的教育资金规划不必过于复杂,中小学阶段花费稳定且可控,焦点应放在为大学教育的费用进行有效储蓄,为孩子未来的高等教育打下坚实的财务基础。以合理存钱为原则,结合政府多项助学援助,便是最简单直接且务实的教育资金规划路径。这样,家长既能有底气准备孩子的未来,也能让孩子充分享受优质教育资源。
如果您对于教育规划这个话题有什么疑问,或者您想要听听Will关于两个孩子如何考上知名中学的故事,欢迎你直接联系Will获得最适合您的建议。

#新加坡教育 #新加坡教育储蓄 #新加坡永久居民 #新加坡公民 #教育规划

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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 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.

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Will Liu

非常荣幸,欢迎您来到我的个人网页。
我是Will-刘飞。2005年从华中科技大学(HUST)毕业后,我来到新加坡发展,先后在IT行业担任大客户经理超过十年。

经历多年的职场历练后,我不仅在技术和业绩上不断成长,也在工作之余逐渐对理财产生了浓厚兴趣。利用业余时间,我刻苦钻研相关知识,并在新加坡管理大学(SMU)获得了实用经济学硕士学位(Applied Economics)。在SMU深造的那段时间里,我两个可爱的女儿先后出生,她们的到来让我倍感幸福、也更加深刻的体会到家庭财务规划的重要性。在获得理论知识的支持后,我在个人生活中坚持实践,逐步实现了有车有房,稳定成长的小目标;女儿们也都顺利考入了新加坡的知名中学。

我真诚希望能凭借所学,帮助更多人实现财务安心。因此,我选择投身金融理财行业,把帮助客户规划稳健的未来作为自己新的职业目标。入行以来,我不断学习与成长,结合自己在软件行业多年积累的经验与数据分析能力,为客户量身定制财务规划方案,帮助他们有效分散风险,让生活在不确定的时代中能够多一份安心。

无论您是刚踏入职场的年轻人,还是事业有成的企业家,我都希望成为您在新加坡值得信赖与依靠的理财伙伴。凭借超过150家金融机构的合作资源,我将为您精挑细选,找到最契合您需求的理财方案。

欢迎随时与我联系,让我们一起为您的财务未来打造更稳固的基础。

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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