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如何打破“富不过三代的魔咒”？新加坡家族办公室与信托来帮您！

根据新加坡管理大学商业家庭研究所(BFI)的研究，亚洲的家族企业占亚太企业的80%，占世界市场总资本的32%。

尽管它们在经济上做出了重大贡献，但许多公司在处理继承和遗产规划方面进展缓慢，这往往是由于围绕死亡率讨论的文化禁忌。然而，这种大流行病在高级企业主中产生了一种紧迫感，以确保他们的财富和遗产得到保护。

综合财富管理计划是非常重要的，包括写涵盖所有有形和无形资产的详细遗嘱。

不这样做，有可能导致幸存家庭成员之间的冲突。遗产规划的其他重要组成部分包括人寿保险，以促进资产顺利转移，资产多样化以确保价值和流动性，以及建立家庭信托来管理遗产。

遗产规划对于高净值个人至关重要，因为它确保财富和价值观向子孙后代顺利过渡。

通过积极主动地参与遗产规划，个人可以塑造他们的财务遗产，保护他们的资产，并在他们去世后控制他们的财富如何分配。

为什么这对大家来说很重要?
出于几个原因，从现在开始规划过程至关重要。

首先，它允许个人有足够的时间仔细考虑他们的选择，评估所涉税务问题，并作出知情的决定。

遗产规划涉及到各个方面，如建立遗嘱、建立信任、建立慈善事业和解决复杂的家庭动态。

匆忙完成这些关键的决定可能导致疏忽、争议和意想不到的后果。

其次，意外情况随时可能出现，突出说明准备的必要性。

生命是不可预测的，遗产规划的拖延会使个人易受伤害，我们的亲人得不到保护。

通过迅速采取行动，高净值个人可以确保我们的资产得到保护，家庭的财务福利得到保障。

此外，尽早开始遗留规划可以优化财富转移策略。

通过利用各种财富管理工具和技术，个人可以最大限度地减少税收，最大限度地提高其房产价值，并为其受益人提供长期的财务保障。

最后，遗产规划不仅仅是财务考虑。

它还提供了一个传承家庭价值观、传统和愿望的机会。

通过记录个人愿望和指导原则，个人可以给子孙后代留下持久的影响，培养认同感、目的感和责任感。

总之，遗产规划对于高净值个人的重要性怎么强调都不为过。

通过迅速启动这一进程，个人可以确保自己的财富受到保护，自己的亲人得到供养，自己的价值观得到永久化。

有了全面的规划和专家指导，我们可以打破“富不过三代的魔咒”。

 

如果有兴趣，请联系新加坡独立理财顾问 jolysse，微信号：Yusi_wo。WhatsApp：90088276.

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.

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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