一个企业家的真实困境:为什么高净值家族都在配置大额寿险?
很多高净值家族,看起来资产雄厚,但真正可以随时动用的现金却并不多。当财富主要集中在 企业股权、房地产和长期投资时,家族传承往往会面临两个现实问题:
1. 资产很难公平分配
2. 一旦发生风险,现金流可能成为最大的压力。
在这期《一杯咖啡理财时间》里,我用一个真实案例的结构,讲清楚:为什么很多企业家会用大额寿险来解决 家族企业传承与现金流的问题。当现金提前准备好,
传承就不会被市场节奏左右。寿险并不是为了赚更多钱,而是为了在家族最脆弱的时刻,给家人留下 选择权与确定性。
免责声明:
本视频内容未经新加坡金融管理局审阅。本视频内容仅作一般资讯分享,不构成任何投资建议或买卖邀约。投资涉及风险,不同的人有不同的目标、风险承受能力和财务状况。在做任何投资决定前,建议根据自己的情况,或咨询专业理财顾问。
新加坡专业理财顾问 | 职业女性 | 两个孩子的妈妈
来自中国苏州,扎根新加坡十多年。
曾在保险公司奋斗十年,从无数次陌生拜访中成长为客户信赖的理财伙伴。
2023年起,成为新加坡鑫盟理财的专业理财顾问。
持有注册财务规划师(Certified Financial Planner)及新加坡银行与金融协会高级认证(IBF Advanced)。
我相信,理财不单单只是卖产品,更是用专业为每一个家庭打造属于自己的人生底气。
“理财这条路,我愿陪你一起慢慢走。” ❤️
Financial Advisory Manager | Career Woman | Mother of Two
Originally from Suzhou, China, now based in Singapore for over a decade. I spent 10 years in the insurance industry, growing from cold calls and rejections to becoming a trusted advisor to my clients. Since 2023, I have been serving as a Financial Advisory Manager with Financial Alliance. I am a Certified Financial Planner (CFP®) and hold the IBF Advanced certification from the Institute of Banking & Finance Singapore. I believe financial planning isn’t about selling products — it’s about using expertise to empower families and create peace of mind. No goal is too big or small — what matters is starting the journey and enjoying every step of the way.
“Let’s build your financial future — step by step, with purpose and care.” ❤️
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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/.
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By submitting this form, I confirm that
提交此表格,即表示
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