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新加坡家族信托的介绍及优势

新加坡家族信托因其免税政策，稳定的政商环境，严格的金融监管和成熟的信托实践和法律配套，备受各国富豪的青睐！

一 什么是家族信托(Family trust)

家族信托是一种信托机构受个人或家族的委托，代为管理、处置家庭财产的财产管理方式，以实现富人的财富规划及传承目标。家族信托，资产的所有权与收益权相分离，富人一旦把资产委托给信托公司打理，该资产的所有权就不再归他本人，但相应的收益依然根据他的意愿来分配给受益人(一般是家人)。无须缴纳遗产税，也因为财富已隔离，富人如果离婚分家产、破产追债、意外身故等，这笔钱都将独立存在，不受影响，不被追诉。家族信托能够更好地帮助高净值人群规划“财富传承”，实现富超过三代，财富代代相传，也逐渐被中国富豪认可。

家族财富传承一直是个世界性的难题，也是富豪们永远关心的话题。在中国，改革开放30年造就了一大批家族富豪，然而其辛苦创业而来的商业帝国以及点滴积累下的家族财富，很多都没能逃过“富不过三代”的魔咒。反观欧美国家，众多耳熟能详的家族如洛克菲勒家族、肯尼迪家族，都已借道家族信托、家族基金会的财富传承机制，成就了家族财富的基业常青。

二 家族信托的功能

1.资产隔离和保全——–安全，破产保护2.合法避税——————无遗产税等、其他税务安排策略

3.契约自由与隐私保护

4.合理合意财富传承

a.防止后代挥霍败家

b.防止家族内部争产

c.省去遗产认证的漫长手续和昂贵的费用，免征印花税

d.家族管理:  设立奖励机制，良好的家庭契约和文化

e.富要超过三代，企业传承、财富传承，基业长青

财产规划、资产保全、税务筹划和财富传承

三  家族信托的常用架构

图片

四 新加坡家族信托的优势

1.稳定的政治及经济环境

2.透明及完善的法律体制

3.成熟运作和监管制度(英美法体系下的信托有700年的历史)

4.国际金融市场的认可度

5.严格保密性

6.永久性(代代相传，且如诺贝尔奖金不断增值)

7.税收优惠

a.无资本利得税，信托金融资产收益无须纳税

b.信托资产分配给受益人无须纳税

c.无遗产税、无赠予税

五 新加坡家族信托 vs 美国家族信托

新加坡家族信托有税收优势(无论是外国委托人信托还是国内信托)

a.无资本利得税，信托金融资产收益无须纳税

b.信托资产分配给受益人无须纳税(若受益人是美国人或者美国税务居民则需要纳税 (此时应设立foreign grantor trust))

c.无遗产税、无赠予税

d.在国外的收入进入新加坡信托也不纳税

美国家族信托须纳税(无论是外国委托人信托还是国内信托)

a.有资本利得税，信托金融资产收益须纳税

b.信托资产分配给受益人须纳税

c.有遗产税、赠与税

d.在国外的收入进入信托也要纳税(美国是全球征税,超强执行力)

注：以上情况是在一定条件下才成立，具体要看相关条款。

六 如何设立新加坡家族信托

（1）咨询设计面面俱到。家族信托涉及到法律、理财、税务等诸多方面

（2）列出要转入信托的资产清单(list assets)

（3）写明设立家族信托的目的(state goals)

（4）选择信托公司(即受托人Trustee)

（5）列出受益人名单(List Beneficiaries)

（6）设立保护人(Protector)，监督

（7）指定投资顾问(Financial adviser)

延伸阅读：

新加坡家族办公室新思路-从单一家办到联合家办点击这里


本文为原创，欢迎转发，请勿转载。

联系新加坡家族信托 顾问， 微信：xyzupup

联系新加坡一站式全球资产配置，微信：xyzupup

联系新加坡大额保单,  微信：xyzupup

Email: xyzupup@gmail.com

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:

张学永(Zhang Xueyong Rocky)

理财团队高级总监;

个人业绩纪录保持者（Top producer), 团队业绩冠军(Top Leader),团队业绩纪录保持者;领跑者;

新加坡最大IFA公司冠军理财团队洛奇财富团队创始人;

1 帮您财务健康,合理资产配置,实现财务独立,有效财富传承;
2 招聘和培训理财顾问事业合伙人
3 打造新加坡顶尖理财顾问联盟

洛奇财富团队的使命宣言(RockWealth group mission statement):
在新加坡和大中华地区, 打造高度称职理财顾问,服务高度赏识客户群体,建立高度互利朝阳事业.

RockWealth Group Makes Your Wealth Robust.

我是移民新加坡的中国人；生活简单，愿意帮助他人，喜欢运动(乒乓球,篮球,跑步等)；恪守诚信、荣神益人！

我的愿景是让您财务更健康、人生更丰盛。My vision is to make life great again with financial fitness.
我的使命是帮助客户建立正确的理财观和方法论,实现财富健康。My mission is to help people build up correct financial and investment mindset, find the right way to grow wealth to achieve financially FIT.

新加坡保险, 新加坡定期寿险, 新加坡指数型万能寿险, 新加坡可变万能寿险, 新加坡私募保单PPLI, 新加坡投资连接险, 新加坡终身年金险, 新加坡储蓄保险, 新加坡基金定投

新加坡基金, 新加坡投资理财,新加坡私募基金, 新加坡数字货币基金, 新加坡家族信托, 新加坡IFA理财团队, 新加坡金融理财, 新加坡独立理财顾问

在新加坡最大的IFA公司financial alliance做理财高级总监,擅长大额保单实操、保险规划、退休规划、基金投资建议、遗嘱和家族信托安排、家族办公室、传承规划、高净值私人财富管理等,真正以客户为中心的专业中立一站式全面综合理财规划服务.

联系微信: xyzupup

助理微信: RockyPA001

约时间一对一咨询,请点击这里

了解行业,公司和团队,请点击这里约面谈

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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