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高净值客户买保险，不容忽视的三个细节！

高净值客户在买保险过程当中需要关注的问题，跟普通客户还是非常不一样的。

他们在财富的累积上已经达到一定的阶段，所以他们最关注的不是怎么样去创富，而是守富和创富

 

在这个过程中，从大的环境到小的细节上，都会有蛮多需要去仔细考虑的问题。

 

首先从现实情况来讲，很多高净值客户他们的身份就非常不一样，一个家庭四口人可能属于四个不同国家。

 

所以第一点要注意的就是税务问题。

 

每个国家税法不同，怎么把继承到的财产，转变成我们真正的资产是非常有讲究的，也需要非常多不同国家税务师、律师等等各方面的合作。

那其实我做过很多这样的客户，举个例子：

像一个家庭里有英国、澳大利亚、新西兰、美国这几个不同国家的国籍，我们会召集各个国家的税务师来帮我们解决税务方面的问题，在合法的情况下做到有效的一个传承。

我的多国籍客户最常问的一个问题就是，这些保险的理赔需不需要纳税？

 

讲实话这个是非常非常复杂的，像东南亚的这些国家例如马来西亚、印尼甚至是中国，税法也是处在一个在完善的过程。

在保险的理赔金上并没有明确的规定，目前大部分国家，其实身故的理赔款都是不需要纳税的，但不等于未来还会这样。

 

那假设有一些国家，他可能需要被纳税，我们就得做一些投保人被保人的设计去规避这个部分。

例如有一些国家，可能直接取消这个保单拿回现金价值是需要纳税的，但我做一个保单贷款，我把里面的现金价值贷出来，这又是不需要被征税的。

 

所以说每一个不同的客户，都是具体问题具体分析。

但如果没有做这部分规划，就算你做了很多的境外资产配置，资本利得税、遗产税、分红税等等扣完，可能原来1000万的资产，一不小心就变成700万。

还有一点不得不提，很多客户有一个误区，以为我不是这个国家的永久居民身份或者公民身份，我就不需要纳税。

每个国家是完全不一样的，有些国家可能你只是去到那个国家旅游居住，你就变成了那个国家的税务身份。

 

有一些国家是你可能在那边买了一套房，你就跟这个国家产生了链接，也可能会一不小心变成了税务居民。

或者你家族的的孩子在那边生活，你可能持有一些家属准证。税务身份可能也会有变化。

所以说第一点我们会建议的是咨询好当地的税务师，去确定好自己是不是税务身份。

一旦你是变成了一个当地的税务身份，有一些国家是全球征税的，比如中国和美国。

 

不管你在哪个国家的收入，你都需要去申报纳税。

那当然新加坡有一个非常好的是，只是在新加坡的收入需要纳税，新加坡的公民、绿卡等等如果在国外产生的收入是不需要给新加坡政府交税的。

 

第二个问题，是怎么样去做好资产的分配

高净值客户的资产类别是非常非常多样化的，不仅仅只是有金融资产。

还有股权、艺术品古董以及一些其他相关资产，这些资产讲实话是非常非常难分的。

 

我有一个客户，他有一个古董，跟我讲价值一个亿，但是你说到时候两个孩子怎么分，总不能一个花瓶你把它摔碎分成两半吧。

所以说我们要帮他具体去估值，然后做到尽量的公平的一个分配。

 

我们另外一些客户，他可能有两三个孩子。

 

大的孩子已经在企业里面上班了，但是他小的儿子对他父亲的企业一点兴趣都没有。

那这种情况，我们也是一样要帮他们去做好这个股权的架构和财富的传承，做到尽量的公平化合理化。

因为到最后，高净值客户除了财富的传承以外，更希望的是整个家族文化的一个传承，要做到一个家族的和睦和谐。

 

第三个，我觉得要关注资产的独立性

那其实在金融当中的最好的工具是信托，家族信托是很多高净值客户会选择的一种方式。

这个时候，很多客户就会选择一些离岸信托，例如在新加坡设立一个信托。

我们也会帮他做好整个家族信托的架构，未来可能服务他们不同的国籍当中的后代。

 

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。

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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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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/.

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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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  • 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