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如何最大化我们的SRS资金？

你是否了解补充退休计划（SRS）？这是新加坡最有效的退休规划工具之一，同时还能减少你的年度税负。虽然经常被忽视，但它是提升财务健康的战略工具。今天就来看看SRS是什么、如何使用，以及如何最大化SRS资金，实现舒适退休。

 

什么是补充退休计划（SRS）？

SRS是新加坡政府推出的自愿性储蓄计划，旨在鼓励人们为退休储蓄。与强制性的公积金（CPF）不同，SRS更灵活，并提供丰厚的税收优惠：

1.税务减免：新加坡公民和永久居民每年可享有高达15,300新元的税务减免，外国人可享有高达35,700新元的税务减免。

2.税延增长：用SRS资金进行投资，收益在退休取款前无需缴税。

3.多元化投资选择：SRS允许投资于单位信托、股票、定期存款和保险产品等。

4.部分取款征税：退休时，仅有50%的SRS取款需缴税，且有10年的取款窗口。

 

如何使用SRS？

1.开设SRS账户：在DBS、OCBC或UOB任一银行开设账户。

2.存款：随时进行自愿性存款，但需遵守年度上限。

3.投资资金：将SRS资金投资于股票、单位信托、保险产品或定期存款中，实现长期增长。

4.战略性取款：在法定退休年龄（目前为63岁）后开始取款，提前取款需支付5%罚金且全额征税。

 

如何最大化SRS资金？

1.长期投资策略：利用10年的取款期限，优先选择高增长投资，如股票和多元化基金。

2.定期审查和再平衡：确保投资组合与退休目标一致。

3.投资于分红产品：利用股息再投资实现复利增长。

4.定期定额投资（DCA）：通过固定金额的定期投资，平摊市场波动风险。

5.探索年金或定期支付计划：开始取款前，考虑将部分SRS转换为年金。

6.优化取款策略：10年内分批取款，减少应税收入。

SRS是一个灵活且有效的退休规划工具，提供显著的税务优势和多样的投资选择。无论你是已经开始参与SRS还是刚开始了解它，最大化其潜力需要符合你的财务目标和退休需求。如果你需要优化SRS投资的指导，欢迎联系我。早规划，早受益，确保财务安全的退休生活！

 

一起加油！

我是 Zechariah See (国超）

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➡️ 小红书ID：Zech178

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以上内容仅供参考和个人意见，不构成专业财务建议。建议读者根据自身的财务目标、情况和需求，寻求独立的财务建议。内容未经新加坡金融管理局审查。

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.

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Beyond my background in financial services, oil & gas engineering, and military leadership, I’ve founded and grown several businesses ranging from a medical concierge firm and a marketing services company to ventures in trading, floristry, and industrial project solutions. These hands-on experiences in building brands, managing operations, leading teams, and navigating market shifts give me a practical understanding of what it truly takes to run and grow a business.

This allows me to connect deeply with families and business owners—not just as their advisor, but as someone who has stood in their shoes in managing complex risks and needs from big families and evolving businesses.

Today, I channel this breadth of experience into helping entrepreneurs, corporate leaders, and families design resilient financial strategies—from investment planning and cash flow management to business protection and legacy planning. Whether you’re looking to scale, optimise your holdings, or plan your exit, I can offer insights that are both strategic and actionable.

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If you are a business owner who values working with someone who understands your world, or if you know someone who would benefit from such a partnership—I’d love to connect.

Let’s build something meaningful together.

I can be reached via the communication channels mentioned below. Chat with you soon. Cheers.

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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