The movie "Disappearing Her" actually had a real case many years ago, and there are many realistic versions in current life, and recently another realistic version of the news rushed to the hot search.
A girl in Shanghai died unexpectedly in a car accident because her parents were traveling, and inherited an inheritance of 200 million yuan. Subsequently, the girl's husband, who had been married for less than a year, filed for divorce on the grounds of personality incompatibility and demanded that half of the property be divided. According to article 1062 of the Civil Code, the estate of both parents inherited during the marriage is the joint property of the husband and wife. In the case of no children, in the event of a divorce, the other spouse is entitled to divide half of the property. This leads to a situation where the children are divorced and the parents' property is divided.
Many parents' wishes are to hope that the money can be given to their children in the future, but how to give it is actually vague, because if the ownership of these assets is not demarcated, there will be risk exposure, which is called ownership risk in risk management. How can the wealth of parents be passed on to their children? Some people will advise parents to write a will, in which they stipulate that the inheritance will be left only to their children in the future, and not to their spouses. But from the perspective of human nature, this may not be able to protect children well, because many people who have earned 200 million yuan may not be able to manage 200 million yuan well, so for children who have an inheritance of 200 million yuan out of thin air, do you think they can control so much wealth well? Will it be fooled? Will you be deceived and remembered? It's hard to say. Because as long as there is enough money, human nature often cannot stand the test, so never use money to test human nature.
In fact, the best way is for parents to make financial arrangements before their deaths and establish a long-term plan. There are many tools for wealth inheritance, but insurance and family trust are the preferred tools for wealth inheritance for high-net-worth individuals: that is, insurance companies or trust companies manage wealth on their behalf, parents have the right to control, children have the right to benefit, and they can receive money on a monthly basis according to their parents' wishes, so as to ensure that children have no worries about food and clothing for life. If the child is at risk of marriage, it is unlikely that her other half will receive the property of the child's parents. So for the other half, divorce or hurting her is not the best choice, only treating her well, loving her, and accompanying her is the best choice. This is to use the arrangement of the system to stimulate the goodwill in human nature, instead of using huge wealth to challenge the malice in human nature.
According to the data of the Hurun Report, in the next ten years, China's wealth will be 19 trillion yuan to the next generation, and in the next 20 years, 51 trillion yuan of wealth will be passed on to the next generation. For high-net-worth groups, it is one thing to be able to make money, but it is another thing to be able to keep and pass on wealth. Parents who have enjoyed the dividends of the era of reform and opening up, at this juncture of wealth handover, having the wisdom of wealth inheritance has become a compulsory course, and the planning of wealth inheritance has also been widely recognized.