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家族信托：1分钟带你了解财富传承

什么是家族信托？

家族信托（Family Trust）是一种由信托公司管理家庭财产的方式，帮助富人实现财富传承。资产的所有权和收益权分离，富人将资产交给信托公司管理后，虽然不再拥有资产的所有权，但相应的收益依然根据他的意愿来分配给受益人(一般是家人)。家族信托避免了遗产税，并保护财富免受离婚、破产或意外身故等风险。家族信托能够更好地帮助高净值人群规划“财富传承”，实现富超过三代，财富代代相传。

家族信托：1分钟带你了解财富传承 — Engage

优势：

  • 财富稳定传承：家族信托确保财富顺利传给家族成员，明确财富使用、受益人和分配方式，让资产长期为家族服务。
  • 避免家庭冲突：通过家族信托，财产分配已事先明确，减少了后代因继承问题而产生的争执。
  • 遗产税规划：通过信托转移资产，可以减少或避免遗产税，确保财富顺利传承给下一代。
  • 灵活管理资产：信托让家族可以聘请专业经理管理和投资资产，确保获得最佳回报并控制风险。

 

缺点：

  • 失去控制权：一旦设立信托，财产的所有权归受托人，意味着你无法随意支配这些资产。
  • 成本较高：设立和管理信托涉及支付专业信托经理费用，以及相关的设立和运营成本。
  • 需要专业指导：由于设立和管理信托涉及复杂的法律和财务问题，需要依赖专业的法律和财务顾问。

 

如何设立新加坡家族信托

  1. 全面咨询与设计：家族信托涉及法律、理财、税务等多个领域，需进行全面咨询与规划。
  2. 列出待转入信托的资产清单：确定需要转移到信托中的所有资产，并列出详细清单。
  3. 明确设立家族信托的目标：清晰地阐明设立信托的目的和财富传承的具体意图。
  4. 选择信托公司（受托人）：挑选合适的信托公司作为受托人，负责管理和运作信托。
  5. 列出受益人名单：明确受益人的身份和分配方式，确保信托资产的合理分配。
  6. 设立保护人：指定保护人负责监督信托的执行，确保信托符合设立目标。
  7. 指定投资顾问：挑选专业的投资顾问，负责信托资产的管理和投资决策。

 

信托在家族办公室中作为一个关键工具，具有显著的优势。它不仅为家族提供了稳定的财富传承平台，还提供了灵活的资产管理方式，并能帮助进行遗产税规划。然而，信托也涉及一定的成本和管理限制，因此需要专业的指导和合规操作。家族办公室在选择是否采用信托时，需充分评估其优缺点，并与专业团队密切合作，确保制定出最符合家族需求的财务策略。

如需了解更多，欢迎联系我，微信号：a19842182457 或 WA：+65 9465 3813

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.

Published By:

Martin Hsia 乙未

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您好. 我是Martin.

在新加坡定居多年 ，從大學開始接觸理財 ，到現在累積4個房地產，目前是一名獨立理財顧問，專長是幫客戶客制化理財方案。

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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