如何不讓財(cái)富毀了富二代們？

05 如何不讓財(cái)富毀了富二代們？

父母給孩子留下多少財(cái)產(chǎn)才算是“剛好夠”？FT理財(cái)編輯帶來(lái)一個(gè)“五步計(jì)劃”，供你參考。

You have worked hard all your life.You've made your first million by 30, and, hopefully, many more by 40.And along the way, you still found time to start a family, and have children.

你努力工作了一輩子，30歲就身家百萬(wàn)，到40歲或許積攢了更多個(gè)百萬(wàn)。一路走來(lái)，你仍然有時(shí)間組建了家庭，養(yǎng)育了孩子。

But now, as you've reached your 50s and 60s, and your children reached their teens, comes a tricky questions as how to leave your money to children without screwing up their lives.

不過(guò)如今，你已經(jīng)到了50或者60的年紀(jì)，孩子也接近成年，一個(gè)棘手的問(wèn)題來(lái)了：如何將你的財(cái)富留給孩子，同時(shí)又不搞砸他的生活。

So how do you, as Warren Buffett once said, leave enough for them to do something, but not enough to do nothing.

所以你如何做到像沃倫·巴菲特說(shuō)的那樣，“給他們留點(diǎn)錢(qián)，好讓他們做點(diǎn)事情，卻又不至于留得太多，讓他們一事無(wú)成”？

We spoke to a range of experts, wealth managers, and the wealthy parents themselves, about what you should do, and came up with a five-step-plan.

我們采訪了一些專(zhuān)家，其中有理財(cái)經(jīng)理，也有富裕的家長(zhǎng)，和他們聊了聊究竟應(yīng)該怎么做。最后我們制定了一個(gè)“五步計(jì)劃”。

1

First, determine how much is too much.In a FT's long running interview series My First Million, the question, do you believe in leaving everything to your children, has rarely elicited a resounding Yes.

第一，你需要決定多少錢(qián)算“太多”。在FT“我掙到的第一個(gè)一百萬(wàn)”系列專(zhuān)題中，對(duì)于“是否會(huì)將所有財(cái)富留給孩子”這個(gè)問(wèn)題，很少采訪對(duì)象給出肯定的回答。

Lesley Pearse has the best response, saying that beyond help with property and education, she intended to spend as much as possible, adding, “if I had to stay in a nursing home, it would be a posh one.”

作家Lesley Pearse的回答最棒。她說(shuō)除了在房產(chǎn)和教育上幫助孩子，她打算有多少花多少。還說(shuō)，“就算我不得不住養(yǎng)老院，那也得是家豪華的養(yǎng)老院”。

2

Next, think about the values you want to instill in your children.For John Roberts, chief executive of AO.com, the Footsie(FTSE) listed electro retailer, it all comes down to family values.He said he wanted the children to work hard, think about others, and have respect for what they have and what they earn.But critically in all these he added, was for them to live their own lives.

第二，想一想你給孩子灌輸什么價(jià)值觀。對(duì)上市企業(yè)、電商AO.com公司首席執(zhí)行官John Roberts來(lái)說(shuō)，最重要的是家庭價(jià)值觀。他說(shuō)他想讓孩子努力工作，為他人著想，珍惜他們所擁有的和賺的每一分錢(qián)。但他認(rèn)為至關(guān)重要的一點(diǎn)是，他們應(yīng)該過(guò)自己的生活。

3

Third, education, education, education.Your children need to know more about money than merely spending it.Many organizations offer programs, internships as well as residential courses, that will teach the next generation financial planning and investing, philanthropy, the dynamic of shared family wealth, and longer-term issues, including wealth preservation.

第三，教育、教育、教育。你的孩子應(yīng)該更好地理解金錢(qián)，而不僅僅懂得花錢(qián)。許多組織提供培訓(xùn)、實(shí)習(xí)機(jī)會(huì)以及住校課程，教育下一代人如何理財(cái)、投資、做慈善、分享家族財(cái)富，以及其它一些著眼于長(zhǎng)期的問(wèn)題，譬如財(cái)富的保值。

4

Forth, give it all away.For philanthropist entrepreneur Sir Tom Hunter, it's a pressing dilemma.He told me that he was worried that the great wealth would be a burden.But even a super rich is stumped when it comes to determining how much is too much to leave their kids.When I pushed him on how much he is exactly going to leave, he said it was still a working progress.

第四，全數(shù)捐出。對(duì)于慈善家、企業(yè)家Tom Hunter爵士而言，這是個(gè)兩難問(wèn)題。他告訴我，他擔(dān)心巨額財(cái)富會(huì)變成一個(gè)負(fù)擔(dān)，就算是超級(jí)富豪也會(huì)為一個(gè)問(wèn)題為難：給孩子留多少錢(qián)才不算太多。當(dāng)我追問(wèn)他到底打算留多少時(shí)，他說(shuō)還在考慮中。

5

And finally, control your wealth, even after your death.There are many ways to pass the wealth through the generations, but one of the most effective, and tax efficient, is through trust.Many families would opt for the traditional trust fund, accessible when the child reaches 18, or increasingly when they turn 21 or even 25.

最后，控制你的財(cái)富，即使在你去世之后。有很多辦法能讓你的財(cái)富一代代傳下去。最有效、課稅最少的辦法之一，是通過(guò)信托的方式。許多家庭選擇傳統(tǒng)的信托基金：當(dāng)孩子18歲時(shí)可以拿到祖輩的財(cái)產(chǎn)，最新趨勢(shì)是等他們長(zhǎng)到21歲甚至25歲時(shí)。

But ultimately, we all want our children or dependents to be happy and healthy.But be careful, one need help financially can sometimes end up doing more harm than good.

不過(guò)最終，我們都希望我們的孩子和家人快樂(lè)健康。不過(guò)要小心，金錢(qián)支持有時(shí)候帶給他們的傷害大于幫助。

詞匯總結(jié)

elicit [?'l?s?t]

v.抽出，引出；引起

In a FT's long running interview series My First Million, the question, do you believe in leaving everything to your children, has rarely elicited a resounding Yes.

在FT“我掙到的第一個(gè)一百萬(wàn)”系列專(zhuān)題中，對(duì)于“是否會(huì)將所有財(cái)富留給孩子”這個(gè)問(wèn)題，很少采訪對(duì)象給出肯定的回答。

nursing home

(老年人)療養(yǎng)院，養(yǎng)老院

If I had to stay in a nursing home, it would be a posh one.

就算我不得不住養(yǎng)老院，那也得是家豪華的養(yǎng)老院。

philanthropist [f?'l?nθr?p?st]

n.慈善家，博愛(ài)主義者；樂(lè)善好施的人

For philanthropist entrepreneur Sir Tom Hunter, it's a pressing dilemma.

對(duì)于慈善家、企業(yè)家Tom Hunter爵士而言，這是個(gè)兩難問(wèn)題。

screw up

擰緊；緊固；弄亂，弄糟；非法抬高…的價(jià)格

But now, as you've reached your 50s and 60s, and your children reached their teens, comes a tricky questions as how to leave your money to children without screwing up their lives.

不過(guò)如今，你已經(jīng)到了50或者60的年紀(jì)，孩子也接近成年，一個(gè)棘手的問(wèn)題來(lái)了：如何將你的財(cái)富留給孩子，同時(shí)又不搞砸他的生活。

instill [?n'st?l]

v.徐徐滴入；逐漸灌輸

Next, think about the values you want to instill in your children.

第二，想一想你給孩子灌輸什么價(jià)值觀。