SRS如何投资

SRS如何投资

01

|什么是SRS|

SRS(Supplementary Retirement Scheme)是指新加坡退休辅助计划,始于2001年,是一个自愿开户的补充退休储蓄计划。政府设立这个项目的目的是帮助新加坡公民,永久居民,和外国人开始建立他们的退休计划。

MOM公布2022年的7月1号起,法定的退休年龄从62岁提高到63岁。如果大家在今年的7月1号之前,开立了SRS账户并往里面存进去一块钱的话,那我们就可以在62岁开始领取SRS账户中的退休金,那么如果错过了7月1号之前的日期,我们至少要等到63岁以后再领取SRS账户中的退休金,才可以享受到相应的税务折扣。

政府也准备在2030年将新加坡的法定年龄提高到65岁。这就是为什么要现在开通SRS账户锁定当前的法定退休年龄以便可以尽早提款。

02

|谁可以加入SRS?|

新加坡公民,永久居民 和在新加坡工作的外国人士均可参加。

03

|SRS的好处|

SRS最大的好处就是减税。

每年只要在12月31号之前把钱存入SRS账户,明年报税时便可从纳税收入中减去这个数额。公民和永久居民最多可享受S$15,300的税收减免。外国人最多可享受S$35,700新币的税收减免。

比如公民当年的纳税收入是SS$100,000,并在当年存入S$15,300到SRS账户。那么下一年缴税时纳税收入就会减 S$15,300。节省的税是S$1760($15,300×11.5%)

请注意,我们个人所得税减免限额是为每年8万新币。

04

|SRS的注意事项|

1. 在法定退休年龄(2022年7月1号前是62岁,7月1号起是63岁)之前从SRS账户提款,要补交之前省下的税金还要补交5%的罚款。当然如果是取钱出来作为医疗用途或者身故当做遗产取出,是豁免罚款的。另外外籍工作人士,只要开设SRS账户10年以上,如果将来离开新加坡,也可以在62岁前,一次性取出而不用交罚款。

2.在法定退休年龄之后一次性取出SRS的钱,需要补齐50%的应缴纳个人所得税。比如说我们在一年内从SRS账户取出6万新币,我们只需要对其中的3万进行缴税。但是只要每年取出不超过4万新币的话,则完全免税。

05

|如何开通SRS账户?|

新加坡公民,永久居民 和外国人士都可在OCBC, UOB, DBS三家银行开通或者网上直接开通。非常方便。例如:网上搜索DBS SRS,在”Get started with SRS”下方选择“Apply now”即可开通。

06

|如何用SRS进行投资?|

SRS账户不享受和公积金一样高息。每年可获得0.05%的银行利息。我们存入SRS账户中的资金,每年可获得0.05%的银行利息。所以存在SRS的资金一定要拿来做投资,尽量去获取高收益。SRS户头可进行的8项投资,以增加我们的退休投资组合。

  1. 债券
  2. 股票
  3. ETF
  4. 房地产信托基金REITs
  5. 新加坡储蓄债券
  6. 基金
  7. 保险产品(如退休年金险等)
  8. 定期存款

 

想要了解如何用SRS账户做理财及其他详情,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.

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