新加坡家族办公室详解!

当今财富管理领域中,中高净值人士对于新加坡金融管理局(MAS)主导的家族办公室项目的追求,不仅因其美元保单的特性,更源于其多元的功能和广泛的适用性。家族办公室在家族财富管理中扮演着至关重要的角色,旨在为超级富有的家庭提供全方位的财富管理和家族服务,以促进资产的长期发展、符合家族期望,实现资产的顺利跨代传承和保值增值。

纠正关键误区:

首先,13X和13R项目被误解为是基金免税项目而非移民项目。事实上,MAS项目不直接牵涉到工作签证(EP)和移民,其重点在于家族财富管理,而不是迅速获得新加坡永久居民身份。

深入解析家族办公室:

家族办公室的核心在于为富裕家族提供专业的财富管理和家族服务。两大主要类型是单一家族办公室(SFO)和联合家族办公室(MFO)。SFO致力于为单个家族管理财富,而MFO则为多个家族提供服务,可以由先前的SFO扩展而来,也可以由专业人士创办。

家族办公室的优势:

  1. 解决利益冲突: 家族办公室避免了银行与客户、银行家与客户之间的利益冲突。其独立性和长期导向有助于家族在安全环境中实现财富管理目标。
  2. 集中管理: 家族办公室集中管理家族庞大的财富,避免了与多家私人银行打交道的复杂性。这有助于实时了解资产配置状况,提升在危机时的应对能力。
  3. 私密性强: 与多家银行合作可能泄露家族秘密。家族办公室保密性强,通过专业技能在资本市场上担任私人银行、投资银行及对冲基金等机构的交易对手,保护家族利益。

为何选择家族办公室:

  • 利益冲突: 家族办公室避免了私人银行的短期营利导向,更注重长期财富传承。
  • 集中管理: 家族办公室减少了与多家银行打交道的时间和复杂性,提高了资产的实时配置管理。
  • 私密性强: 家族办公室在保密性方面表现出色,避免了家族秘密泄露的风险。

家族办公室的分类及原因:

  • 单一家族办公室(SFO)和联合家族办公室(MFO): 解析了两者的区别和设立原因。

吸引高净值客户的关键点:

  • 专业服务: 家族办公室提供的专业服务,包括财富管理、财富规划、全球资产配置等,能够满足高净值客户的多元化需求。
  • 长期导向: 强调家族办公室的长期导向和财富传承,吸引有长远眼光的客户。
  • 私密性和安全: 家族办公室保障客户隐私,通过专业技能确保资产安全。

深度分析家族办公室的运作:

  1. 资产管理和配置: 家族办公室通过独立管理家族资产组合,灵活配置资产,实现更好的风险控制和长期回报。
  2. 投资策略: 家族办公室的投资策略更加灵活,可以因应家族的风险偏好和目标,制定个性化的投资计划。
  3. 家族治理: 家族办公室在家族治理方面起到关键作用,帮助家族确立决策机制、传承价值观,保证家族财富的长期稳定管理。
  4. 隔代传承: 家族办公室通过制定合适的财富传承计划,确保财富能够在不同代际之间平稳传承。

家族办公室的案例分析:

通过实际案例,探讨不同家庭如何利用家族办公室解决个人和家族财务问题。包括养老规划、全球资产配置、慈善捐赠、遗产税规避等方面的应用。

为国内高净值客户提供的优势:

  1. 全球资产配置: 家族办公室能够为高净值客户提供全球范围内的资产配置,分散风险,实现更好的财务安全。
  2. 专业团队: 家族办公室拥有丰富的经验,为客户提供量身定制的服务,助力他们在财富管理中取得更卓越的成就。
  3. 灵活方案: 家族办公室提供不同的家族办公室方案,灵活满足客户的需求,包括万能寿险、家族信托等工具。
  4. 私密性保障: 家族办公室注重客户隐私,通过专业技能和严格的保密措施,确保客户财务信息的安全。

家族办公室的未来趋势:

探讨家族办公室在未来的发展趋势,包括数字化技术的应用、对可持续投资的关注等。

结语:

总结家族办公室的重要性,强调其在当今财富管理领域中的独特地位,以及为高净值家庭提供的专业服务和长期价值。最后,鼓励国内高净值客户更深入了解并考虑家族办公室作为他们财富管理的理想选择。

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:

Li Wenjun Olivia 李文君

非常荣幸,您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生,在新加坡最大公立医院ICU工作7年后,转行理财行业。入行之后我不断的去提升自己,结合自己的医疗背景,为客户转移潜在风险,精准配置。并且帮助客户做财务增值规划,让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户,不论您是刚毕业的年轻人,还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士,为您货比三家,优中选优,在超过150家金融合作伙伴的产品中,配置最适合您的理财规划方案。

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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/.

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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.
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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