Wednesday, June 18, 2008

遺囑平民化

華懋龔如心遺產爭拗事件逾1年,單就遺囑問題已辯論多時,而梅艷芳逝世後的遺產官司,總算暫告一段落,無論結果如何,親人爭遺產已叫人唏噓。

今次替梅艷芳成立信託的滙豐國際信託,相信也可先鬆一口氣,起碼替受託人繼續履行其生前意願,兼且負責這宗信託的滙豐員工,獲法官讚表現專業,肯定間接為間公司加分。由於梅艷芳身家逾億元,安排這種信託管理遺產,實屬正常的做法。

其實,銀行鬥搶客,除了鬥價外,鬥服務也是較勁的範疇,所以很多專門招呼超級大客的尊貴服務,慢慢降格至一般富豪,甚至中高產亦可享受到阿梅的同等服務,實行連客戶的下一代生意也早作部署。

話說朋友貴為滙豐的卓越理財(Premier)客戶,雖非億萬富豪,但起碼經滙豐負責的理財總值要有100萬元方獲垂青。朋友話收到像低息、投資產品服務收費減價和送禮品等例牌推介外,最近赫然發現一個特殊服務,就是「遺囑撰寫服務」。初聽之下,必然大呼「大吉利是」,但想深一層,這類階層的客戶擁有流動資產、還有固定資產如物業等不少,為免日後家人爭拗,確又有此需要。

滙豐推介這個服務時,就用一條簡單的問題:「你知道如果沒有訂下遺囑,你的遺產會如何分配?」,然後引經據典,話無立遺囑,就會根據香港特區的無遺囑者遺產條例,將遺產來分配,屆時有關決定,可能未必完全按照你的意願,例如已婚人士在沒有訂立遺囑的情況下去世,其遺產原來只會分配予其配偶及子女,其父母就無得分,真的連個桔都無。

套用於梅艷芳的遺囑安排看,梅媽媽當然不是無得分,相反梅媽媽每月有定額收入,而這種處理手法,可以避免讓不善理財的親人,一下子將辛苦留下來的財富盡清袋,達致長命長有的可延續生活模式。

朋友話,其實遺囑撰寫並非由滙豐的員工負責,原來是交予孖士打律師行幫手擬定,滙豐變相提供中介服務,但既然有遺囑,可能還有資產管理和信託服務的需要,而這項服務就由滙豐順手接埋。

同保險界朋友談起,他話除了遺囑問題外,還要注意資金安排情況,雖然政府已取消遺產稅,但一旦親人離世,其資產如銀行存款和樓宇等也會被凍結,而在轉換承繼人前,後人難以動用,代表將固定資產等變成流動資產存在一定困難,故建議客戶買保險的原因之一,就是萬一離世,只要符合保險公司的條件,受益人便可以在短時間內取得受保金額,應付殮葬所需。不過,你估銀行的保險業務部門會否考慮到這一點呢?

(6月18日刊於《am730》)

9 Comments:

At 11:21 AM, Anonymous jolie said...

想請教一下:如果只將遺囑寫在手指裏,或只是一封信放在家中, 有個人簽名. 會不會有效呢 ?

 
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