家立方,保护资产

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保护家庭资产就是通过风险管理来保护一个家庭的生活方式,是家庭财务规划中的重中之重。

家庭资产通常经历三个阶段:资产积累,资产使用,资产传承。在每个阶段中,保护家庭资产都是非常重要的。

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在资产积累阶段,保护家庭资产重要体现在保护家庭的收入和避免突然的资产消耗。

资产的积累需要有目标,主要家庭收入是实现这个目标的基础。保护了家庭收入就保护了资产积累。在这个阶段,如果主要收入来源的一方突然病故,重病,或伤残,那么不但资产积累的过程中断,而且还可能出现了资产消耗,如伤残,重病等额外大量花费。所以,在资产积累阶段,人寿保险,重病保险,伤残保险是不容忽视的。

在资产使用阶段,也就是退休阶段,家庭收入来源主要来自前期积累的财富,保护家庭资产重点体现在避免突然的资产消耗,如,夫妻一方突然瘫痪在床,需要长期护理。长期护理的费用会大量地消耗家庭资产。所以提前购买长期护理险是很必要的。有的保险公司还提供这样的长期护理险,如,受保的人没有使用就病故的情况,保费返还。

在资产传承阶段,保护家庭资产重点体现在尽快付清一个人过世时的所得税 final tax),获得清税证明 a clearance certificate),使得遗产顺利传给受益人。如果过世的人有很多资产,那么 final  tax有可能是很大的一笔钱。如果不能及时赋税,遗产传承过程通常会拖很长时间,还可能会产生很多纠纷,如,是不是需要变卖一些遗产来赋税,等等。这时候,一份人寿保险的赔偿就会派上大用场,这也是人寿保险的一个重要用途。

在家庭财务规划中,一个家庭必须做好保险规划,才能在意外发生的时候保护家庭资产,保护家庭的生活方式。

每个家庭的具体的情况不同,在做财务规划的时候,保险规划是重中之重。如果你对这个话题感兴趣,请扫二维码,和我讨论。

本周末讲座会重点讨论保险规划, 请扫二维码,报名参加。



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(本文是原创,只作为信息参考,并不构成任何具体投资理财建议。欢迎各种与财务规划相关的问题,请扫二维码提问。)




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