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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！😊

 

你的宝库管家
Jolysse邬宇思
微信：Yusi_Wo / WhatsApp：90088276
新加坡全牌照理财顾问
Representing Financial Alliance Pte Ltd
Singapore Largest Independent Financial Adviser
#保险 #重大疾病保险 #健康保障 #新加坡 #财务规划 #年轻人理财 #早期准备

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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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

您好。我是宇思，您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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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/.

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