新加坡干货|一分钟读懂“家族信托”

你有没有想过,当你积累了大量财富后,怎么把它传承给下一代,既能避免巨额税费,又能确保财富不会影响孩子的上进心呢?今天,我们来聊聊“家族信托”,一套聪明的财富传承工具!🤓

什么是家族信托?
家族信托(Family Trust)是一种信托形式,主要目的是让财产委托人(也就是你自己)通过最省税的方式,把财产有计划地传给信托受益人(比如你的孩子)。

让我们来看看隔壁老王的例子吧!👇


老王的财富烦恼

老王60多岁,年轻时白手起家,现在靠卖掉公司股票赚了上亿美元,生活可谓相当滋润。他的儿子在澳大利亚读书,马上要毕业了。老王非常爱儿子,但也有一些顾虑:

1️⃣ 不想让儿子“躺赢”
老王希望儿子继续努力工作,而不是一夜之间因为继承财富就失去动力。像巴菲特说的:给孩子的钱要“刚刚好”,足够让他们追求梦想,但又不能让他们什么都不干。

2️⃣ 担心婚姻问题
如果未来儿子婚姻出现问题,比如离婚,老王担心自己的辛苦钱会被儿媳妇分走。老王自然不希望财富被外人分割。

3️⃣ 遗产税问题
老王在澳大利亚有几套房子,但转到儿子名下需要交高额税款,这让老王非常头疼。

4️⃣ 前女友问题
老王年轻时和一位叫小梅的姑娘有过一段关系,还留下了欠条!如今老王成了亿万富翁,担心小梅回来找麻烦。


家族信托能解决这些问题吗?

答案是:能!🎯家族信托可以帮老王把财产安全、灵活地传承下去。下面我们来看看家族信托的四个关键角色:

  1. 财产委托人:就是你,老王。
  2. 信托受益人:可以是你的家人,比如老王的儿子。
  3. 信托受托人:是管理你财产的人或公司,他们负责按照你定好的规则分配财产。
  4. 信托:是一份法律文件,规定了财产的分配方式。

家族信托的好处

🌟 避免家庭纠纷:通过家族信托,财产如何分配早已写明白,避免了后代为了财产争吵。

🌟 隔离债务:如果老王欠了债,设立信托后债主无法要求儿子用信托里的财产还债。

🌟 节税:可以合法避开遗产税和赠与税,特别是在新加坡设立信托有很多税收优惠。


家族信托的缺点

💸 费用不低:在新加坡设立家族信托大约需要10万人民币,后续每年管理费5-6万。

🚫 放弃控制权:一旦设立信托,财产的所有权将归信托受托人所有,你无法随心所欲支配这些财产。


最后的提醒
设立家族信托前,一定要做好功课,找专业的信托公司,确保了解所有细节,才能做出最明智的选择。🔍


希望这个分享能帮你更好地理解家族信托!如果你也有传承财富的计划,不妨考虑一下这个工具哦!😊

下一步?

我是宇思,和你一起看世界。

微信:bigwusister / WhatsApp:90088276

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新加坡干货|一分钟读懂“家族信托” — Engage

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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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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
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  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
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  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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