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为父母准备的退休计划

凡事没有准备,就好像蹦极不系安全绳,跳伞不背降落伞

在新加坡,随着我们渐渐成长,父母逐渐老去,父母退休后的生活就是作为年轻人不得不准备的一件事,那么我们要怎样使他们有一个快乐的退休生活呢?

父母保险

所谓能者多劳,很多事,有多大的碗就吃多少饭,为父母购买保险,一定要考虑清楚自己的经济实力。关于保险,许多事情比较专业,或许我们可以找到一个专业的保险顾问为我们的父母量身定制保险计划。其中,住院保险是一定要购买的,至于原因,我们都懂。

公积金提名

通过提名公积金,父母可以选择去世时如何分配公积金。这也节省了很多麻烦。公积金提名可以解决许多问题,比如说,谁将能够获得其公积金储蓄;每个人应该收到多少。假设没有公积金提名,资产的分配也将根据《无遗嘱继承法》或《居留证》(针对穆斯林),这可能不会取决于父母的意愿。

遗嘱设定

一提到这个问题,可能会有些沉重,不过,法律的制定也是为人们的生活提供了许多便利,让父母设立遗嘱不见得是一件坏事。事先把遗嘱拟定好是解决财产和资产最快的方法。有了遗嘱,对受益人和家人来说就不会那么激动,因为一切都是根据已故人的选择事先准备的。

持久授权书-Lasting Power of Attorney (LPA)

有些老人退休后可能会有些特殊情况,比如,老年痴呆症。这时我们就可以未雨绸缪,提前给他们做好准备。LPA是一份法律文件,如果您失去理智或无法独立思考,则可以选择一个人为您做出决定。而且,LPA的申请费已免除两年,以鼓励人们完成LPA。因此,利用这个机会说服我们的父母加入LPA也是个不错的选择。

充实父母的公积金

把钱存入公积金貌似不是一种流行的处理钱是方式,因为用钱的灵活性消失了。但是,这样做的好处是不可忽视的,首先可以获得与您充值的现金金额相同的税收减免(最高为7,000新元),其次可以让这笔钱在公积金特别帐户享有4%利息,当然还可以让父母在退休后还能提取退休金。

与兄弟姐妹的联名账户

父母都会为孩子的教育保留了一个单独的银行帐户。相同的逻辑,这次是孩子们为父母未来的费用设立一个单独的银行帐户。与将普通存款存入普通储蓄帐户相比,您是否愿意将这些储蓄投资以获得更好的回报,取决于您和您的兄弟姐妹。但是高风险投资我们可是要谨慎了,因为一旦需要急用钱的时候,可能会造成资金短缺问题。

当然提及为退休生活作打算,我们可以为父母提供一百万种方法。如果您不能完成上述所有操作,也别责怪自己,不要为了承担父母的未来而过度劳累,而以牺牲自己的利益为代价。这则文稿的目的是让孩子们以最大程度地减少未来不必要支出。

如果您想要知道更多理财规划,欢迎我们的微信公众号(scgl910)。如果您有任何经验,甚至有更好的选择,请与我们分享!另外,别忘了与朋友分享此篇!

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