台湾父亲以爱传承800万美元资产,用新加坡金融工具打造家族未来

最近,遇到一个非常感人的案例。

一位75岁的台湾父亲,为两个儿子规划了总共800万美元的资产,其中每人分配了400万美元,自己保留100万美元作为生活保障。看似简单的资产分配背后,却隐藏着许多跨国资产规划的细节与智慧。特别是,大儿子是台湾籍,小儿子则是美国籍,如何在多国税务与法律环境中,做到公平分配且高效传承,成了这位父亲最关心的问题。

 

最终,在跟客户的沟通梳理下,他选择了新加坡这个国际金融中心,利用其稳定的金融环境和多样的资产管理工具,让这份“爱的礼物”更有保障和温度。

 

今天就和大家分享,新加坡的五个资产规划工具,让跨国家庭无后顾之忧 ✨

1. 新加坡家族信托

新加坡的家族信托可以说是资产保护与传承的最佳工具,特别适合这种跨国家庭。它不仅能避免遗产税,还可以确保资产按照父亲的意愿长期分配,避免因法律差异而带来的纠纷。

 

2. 高端人寿保险

对于小儿子是美国籍的情况,利用新加坡的高端保险产品尤为重要。保险金既能避开遗产税,又能稳定地将资产传承给下一代,还能为家族提供长期的经济安全感。

 

3. 私人银行服务

新加坡的私人银行不仅提供专业的资产管理建议,还能针对跨国家庭的需求,量身定制投资策略。这不仅能让现有的资产稳健增值,也能为子孙后代留下更大的财富。

 

4. 永久居民(PR)规划

如果父亲考虑申请新加坡的永久居民身份,将能享受到更多税务优惠,并进一步优化资产配置,实现财富长期稳定增长。

 

5. 多币种账户与外汇管理

新加坡银行的多币种账户,能灵活管理台币、美元及新币,避免因汇率波动影响资产价值,特别是针对在美国生活的小儿子的需求,这是必不可少的规划工具。

 

资产规划不只是理财,更是爱的延续 💌

这位父亲的故事,让人看到了跨国资产规划的重要性,也让我更加相信,一份好的财富传承方案,能真正实现“让爱无忧”的目标。

 

对于像这位父亲一样的企业家而言:

1️⃣ 选择全球视野:面对多国法律和税务环境,选择像新加坡这样的国际金融中心至关重要。
2️⃣ 灵活运用工具:信托、保险等工具结合使用,能够最大限度发挥资产的效用。
3️⃣ 保持家族和谐:清晰的规划与公平的分配,既能避免争议,也能巩固家族关系。

资产的传承,不仅是对财富的管理,更是对家族的爱与责任。如果您也希望为家人打造更长远的财富蓝图,新加坡作为跨国资产规划的首选地,会是您最值得信赖的伙伴。


I’m JolysseWu 😊
我是独立财务顾问 Jolysse 邬宇思,专注于资产规划,为您打造适合您家庭的财富方案。感谢一路以来的支持与信任!💖

微信:bigwusister / 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 #养老规划 #IFA #独立理财顾问 #hospital #insurance

#新加坡信托 #家族办公室

全球精英都选的新加坡保险,到底好在哪里? — Engage

 

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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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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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
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  • 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.
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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