新加坡财产规划:遗嘱还是信托更适合你?解析6大区别

遗嘱和信托是两种常见的财产规划工具,它们的主要目的是确保在您过世后,财产能够按照您的意愿分配,但两者在性质、使用方式和法律效果上有显著的区别。以下是两者的主要6大区别

1. 定义与性质

遗嘱 信托
是一份法律文件,规定当您去世后,如何分配您的财产。 是一种法律安排,您将资产转移到信托中,由受托人(Trustee)管理,为受益人(Beneficiaries)提供利益。
在您生前没有法律效力,只有在您过世后才生效。 一旦设立并转移资产,可以立即生效或根据条件生效,生前即可发挥作用。

2. 生效时间

遗嘱 信托
仅在您去世后才会生效。 可在您生前或去世后生效(具体取决于信托类型,如生前信托或遗嘱信托)。

3. 程序与隐私

遗嘱 信托
遗嘱需要经过法庭认证程序(Probate)才能分配财产,整个过程公开且可能需要较长时间。通常是最少3个月以上。 信托不需要法庭认证,受托人可以直接管理和分配财产,过程更快捷且私密。
法庭认证程序可能会产生额外费用和时间延误。 无需经过法庭,因此可以避免认证程序的成本和时间。

4. 管理方式

遗嘱 信托
由您在遗嘱中指定的执行人(Executor)管理财产并分配给受益人。 由您指定的受托人(Trustee)根据信托协议管理财产并按条款分配给受益人。
您的资产仍由您控制,直到您过世为止。 一旦设立并转移资产,受托人负责管理资产(除非您保留管理权)。

5. 灵活性与适用性

遗嘱 信托
简单且成本低,适用于一般资产分配需求。 更适合复杂的财产规划,例如保护未成年受益人、分阶段分配财产、税务优化等。
无法避开债权人(债务会从遗产中扣除)。 某些类型的信托(如不可撤销信托)可以保护资产免受债权人追索。

6. 费用

遗嘱 信托
遗嘱的设立费用通常较低,但遗嘱认证可能产生高昂的法庭费用和延迟成本。 信托设立成本比遗嘱来得高一些因为这是长期的服务。而且,长期来看可以减少税务支出、法庭费用和时间成本。

信托又分为两种:传统版本(适合高净值人群);现代简单版本(适合每个人)。

适合情况对比

遗嘱更适合的情况 信托更适合的情况
想要简单地分配财产给家人或朋友。 财产种类复杂,涉及海外资产或希望保密的财产分配。
没有特别的管理需求或税务考虑。 希望保护未成年受益人或分阶段分配资产(例如孩子满25岁后才可领取财产)。
不介意法庭认证程序的公开性。 希望避免法庭程序,直接让受托人管理财产。
预算有限且无需提前转移财产。 希望在生前即可设立并管理资产,或减少债权人追讨的风险。

总结:选择遗嘱还是信托?

  1. 如果您的财产简单,且您希望节省前期成本,遗嘱可能是更直接的选择。
  2. 如果您的财产复杂,您有特殊需求(如资产保护、分阶段分配或国际财产管理),或希望避免法庭程序的繁琐,信托更适合您。
  3. 如果您有这两方面的需求,可以考虑遗嘱和信托。因为他们是互补的。

如果您想要更详细的建议或具体的财产规划,请随时联系我,我会为您量身定制合适的解决方案!

WhatsApp: +65 86802340

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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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  • 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).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • 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.
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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.
  • 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