05 如何不让财富毁了富二代们？

父母给孩子留下多少财产才算是“刚好够”？FT理财编辑带来一个“五步计划”，供你参考。

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.

你努力工作了一辈子，30岁就身家百万，到40岁或许积攒了更多个百万。一路走来，你仍然有时间组建了家庭，养育了孩子。

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.

不过如今，你已经到了50或者60的年纪，孩子也接近成年，一个棘手的问题来了：如何将你的财富留给孩子，同时又不搞砸他的生活。

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伦·巴菲特说的那样，“给他们留点钱，好让他们做点事情，却又不至于留得太多，让他们一事无成”？

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.

我们采访了一些专家，其中有理财经理，也有富裕的家长，和他们聊了聊究竟应该怎么做。最后我们制定了一个“五步计划”。

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，你需要决定多少钱算“太多”。在FT“我挣到的第一个一百万”系列专题中，对于“是否会将所有财富留给孩子”这个问题，很少采访对象给出肯定的回答。

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。她说除了在房产和教育上帮助孩子，她打算有多少花多少。还说，“就算我不得不住养老院，那也得是家豪华的养老院”。

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，想一想你给孩子灌输什么价值观。对上市企业、电商AO.com公司首席执行官John Roberts来说，最重要的是家庭价值观。他说他想让孩子努力工作，为他人着想，珍惜他们所拥有的和赚的每一分钱。但他认为至关重要的一点是，他们应该过自己的生活。

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。你的孩子应该更好地理解金钱，而不仅仅懂得花钱。许多组织提供培训、实习机会以及住校课程，教育下一代人如何理财、投资、做慈善、分享家族财富，以及其它一些着眼于长期的问题，譬如财富的保值。

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，全数捐出。对于慈善家、企业家Tom Hunter爵士而言，这是个两难问题。他告诉我，他担心巨额财富会变成一个负担，就算是超级富豪也会为一个问题为难：给孩子留多少钱才不算太多。当我追问他到底打算留多少时，他说还在考虑中。

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，控制你的财富，即使在你去世之后。有很多办法能让你的财富一代代传下去。最有效、课税最少的办法之一，是通过信托的方式。许多家庭选择传统的信托基金：当孩子18岁时可以拿到祖辈的财产，最新趋势是等他们长到21岁甚至25岁时。

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.

不过最终，我们都希望我们的孩子和家人快乐健康。不过要小心，金钱支持有时候带给他们的伤害大于帮助。

词汇总结

elicit [ɪ'lɪsɪt]

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“我挣到的第一个一百万”系列专题中，对于“是否会将所有财富留给孩子”这个问题，很少采访对象给出肯定的回答。

nursing home

(老年人)疗养院，养老院

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

就算我不得不住养老院，那也得是家豪华的养老院。

philanthropist [fɪ'lænθrəpɪst]

n.慈善家，博爱主义者；乐善好施的人

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

对于慈善家、企业家Tom Hunter爵士而言，这是个两难问题。

screw up

拧紧；紧固；弄乱，弄糟；非法抬高…的价格

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.

不过如今，你已经到了50或者60的年纪，孩子也接近成年，一个棘手的问题来了：如何将你的财富留给孩子，同时又不搞砸他的生活。

instill [ɪn'stɪl]

v.徐徐滴入；逐渐灌输

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

第二，想一想你给孩子灌输什么价值观。