在新加坡,如何立遗嘱?

你知道吗? 在新加坡,如果没有立遗嘱,您的资产可能不会按照您的意愿分配!而是一切由法律决定!

无论您是单身、已婚、有孩子,还是拥有大量资产,立遗嘱都能让您的财富安全、无争议地传承

今天,我们就来聊聊 新加坡遗嘱的重要性、假设没有立遗嘱的情况遵循无遗嘱继承法的具体分配原则、以及立遗嘱时需要注意的几个关键事项

首先,到底什么是遗嘱?

遗嘱(Will实际上 是一份法律文件,指定我们在去世后资产分配方式,确保财产不会被法律自动分配,而是按照自己的意愿传承。

在新加坡,遗嘱受到《遗嘱法》(Wills Act的保护,任何年满21岁且神智清醒的人,都可以立遗嘱

 

 

但如果没有遗嘱,您的财产就会按照《无遗嘱遗产继承法令》(Intestate Succession Act)来分配,而这可能并非是所有人所希望的继承方式!

 

那么如果没有遗嘱,财产会怎么分配呢?

如果没有立遗嘱,资产将按照 《无遗嘱继承法令》Intestate Succession Act)来分配,比例和顺序如下

如果是结婚有配偶  子女的,继承比例会按照  配偶50%,子女均分剩下的50%

如果是结婚只有配偶,无子女配偶继承50%,父母均分剩下的50%

如果只有配偶,无父母和子女,那么配偶将继承100%的资产

接下来就按兄弟、姐妹、祖父母以及近亲来分配。

假设没有近亲的话,那么这些资产将交给谁呢?当然是我们的新加坡Government。

 

那么问题来了:

有可能你的父母一分遗产也拿不到,如果你有未成年子女,又有谁来照顾他们?

你希望你的财产留给特定的家人、朋友,合作伙伴还是未来做慈善?

如果有以上等各方面问题,那么遗嘱是最基础的规划之一。

 

 

那么第三部分,我们来讲一讲,立遗嘱时需要注意什么?

首先 一份有效的遗嘱必须包括以下内容:

1遗嘱声明:必须清楚表明这是一份正式遗嘱,并撤销之前所有遗嘱。

2、立遗嘱人信息:包括姓名、身份证号码,确保身份准确。

3、指定遗嘱执行人(Executor:这个人将负责按照您的意愿执行遗嘱。可以是亲友、律师或信托公司。

4、财产清单:清楚列出房产、银行存款、股票、保险金等资产,以及如何分配给受益人。

5、指定受益人Beneficiaries):明确谁将继承您的财产,以及各自的份额。

6、监护人安排(如果有未成年子女):确保孩子在您去世后得到妥善照顾。

7、签名和见证人:立遗嘱人必须亲自签名。

需要至少2名见证人,而且见证人不能是受益人或其配偶!

不过见证人仅见证签名,不需要阅读遗嘱具体内容。

 

 

这里也必须提醒大家特别注意,有些资产不会被遗嘱分配,例如:

CPF(公积金)账户:必须通过CPF Nomination受益人提名来指定受益人。

联名财产joint assets:如联名房产joint ownership、银行联名账户joint account如果一方去世,会自动归另一位所有

 

保险:如果保险已经有指定受益人,遗嘱不能更改其分配原则

 

最后部分还是要提醒下立完遗嘱后,并不代表万事大吉!遗嘱需要定期更新!

我们总结了以下情况的发生,可能需要重新更新遗嘱,例如:

结婚或离婚,以及家庭成员增加等情况;

大的资产变动(如买房、投资、创业);

如果受益人或执行人去世,也同样要更新遗嘱。

 

 

上面讲了这么多,最后我来总结一下:

1.立遗嘱能让我们的资产按照我们的意愿分配,避免家人因遗产争议而反目成仇

2.遗嘱必须合法、详细、定期更新!

3.重要资产如CPF、保险金、联名房产,不在遗嘱范围内,需单独指定受益人!

 

最后,专业的事交给专业的人做,来确保我们的财富安全传承,避免后顾之忧

 

我是Joey,一名从业12年的新加坡独立理财顾问。

欢迎添加微信:JOEYWUZUHUA 或What’s App:+6593214536

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 unbiased 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:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置,等全球资产配置, 一站式,专业,独立。

10余年新中两地保险投资理财从业经验,倾听客户需求,私人定制每一位客户的财务计划;

我的信念:我们每个人都能通过合理的理财规划,实现财务安全,财务独立最终实现财务自由。

我的定位:

为个人和企业提供中立,专业、一站式全方位的金融咨询服务,提供客户优质的财富管理和财务规划解决方案。

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