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New Trends in Account Management |
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New Trends in Account Management
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A new interpretation of savings plans |
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Establish investment plan
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Early tax planning
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| People with more assets often have too many products without an effective account management structure. The key is how to simplify things while still achieving the goals of tax investment and savings planning.
An account with a multi-functional, low-cost, e-advisory platform can help with savings, investment or tax planning, and facilitate investment management. It is the basis for selecting an account and establishing an account management structure.
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A savings plan is to regularly allocate a fixed amount of money to a savings account, investment account or investment insurance account, rather than just buying a bank deposit or depositing money into a bank account.
The funds in the savings plan should be planned towards investment management with a return rate that is at least 2~3% higher than the bank's fixed deposit rate. Such plans are solutions for children's education funds or retirement funds.
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An investment plan is to place a lump sum of money in an investment account or an investment insurance account for investment purposes. Each investment plan should clearly define the investment period, investment objectives and investment strategy. A good investment plan should clearly define the investment period, whether it is 10 years or a short-term one year. Such plans are solutions for children's education funds or retirement funds.
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Any tax planning must be carried out early to achieve tax savings or tax avoidance.
Tax planning related to asset management focuses on investment tax, inheritance tax and taxes related to real estate management. |
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| Planning Scheme Guide |
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Planning Scheme Guide |
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Planning Scheme Guide |
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Planning Scheme Guide |
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Choose one or two fund companies with good performance in domestic and foreign currency or bond funds as the main trading partners, which can be used as the main savings and investment account. |
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Determine how much you can save each month on a long-term basis (e.g. 10 years) and choose a versatile fund savings or investment insurance account. |
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From a long-term 5-10 year perspective, reallocate assets to stronger currencies. The currency risk diversification adopts the three-part method, which is the local currency, the US dollar and strong currencies. |
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The most easily overlooked area of taxation related to asset management is legacy planning. It is recommended that you start planning for legal legacy when you have a small amount of assets after the age of 45. It only takes 5 to 10 years to lay the foundation for legacy tax savings.
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Use multi-functional accounts, such as domestic and overseas investment insurance policies, or trust products with a trust planning structure, as the main account for savings, investment planning or tax planning. |
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The above-mentioned plan (1) can be a strategic asset allocation model, with mutual fund investment tools or products as the main investment tool. However, in order to increase the savings return rate, it is not ruled out that alternative investment products or their related products can be added as another major investment tool.
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The long-term investment plan mainly adopts a strategic asset allocation model based on the three-part approach of stocks, bonds, and alternative investments, or refers to the international bond investment portfolio strategy. |
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If the aforementioned savings or investment plans generate a large amount of funds but no legacy planning has been made, you should consider using part of the funds to purchase domestic or foreign savings or investment policies, or even designate a trustee as the policy beneficiary. However, when purchasing this type of policy, you should pay attention to cost considerations and compare prices from multiple stores. You should also consult a financial or tax expert who truly understands the tax development at the time.
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The bank comprehensive account is the main account for liquidity management, especially the bank account is indispensable for supporting general household and credit card expenses. |
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Combining bond funds or instruments with different risk levels and multiple currencies into an international bond investment portfolio is another major investment strategy besides (2) and is also suitable for investment strategy planning within a savings plan. |
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Short-term investment plans are carried out in a technical asset allocation model to determine the maximum loss tolerance, then select appropriate investment objects and tools, grasp the timing of investment, and strictly implement risk management methods. |
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Although savings or investment plans are not necessarily the main consideration for estate planning, if you want to solve the potential problem of future inheritance tax, you should consider savings or investment policy accounts as the main savings or investment accounts.
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If the investment plan includes a technical asset allocation model, or requires frequent transactions, then you should choose a securities investment account with an appropriate currency; or open a dedicated account management account and let the investment advisor be fully responsible for the operation.
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