普通人如何规划“老有所安”

Core Viewpoint - The year 2025 marks the "awakening year" for wealth inheritance in China, highlighting the urgency for both high-net-worth individuals and ordinary families to address inheritance issues and risks [2][3]. Group 1: Wealth Inheritance Challenges - The overlapping challenges of global geopolitical impacts, industrial and technological transitions, and generational wealth transfer create uncertainties in inheritance and business succession [3]. - Many Chinese entrepreneurs are unaware or only partially aware of the importance of succession planning, often neglecting critical aspects like wills, trusts, and insurance [3][4]. - The legacy of ownership disputes in private enterprises, stemming from historical ties with state-owned enterprises, complicates the inheritance landscape [4]. Group 2: Structural Issues in Inheritance - The simplistic and rough equity structures established in the 1980s, often involving family members, lead to governance failures and increased risks during transitions [4][5]. - Complex marital histories of entrepreneurs pose significant risks to wealth and equity distribution, as modern legal principles advocate for equal inheritance rights among all children [5]. Group 3: Current Wealth Landscape - China is experiencing a peak in private wealth accumulation, with nearly 4,000 private companies listed among approximately 5,500 A-share companies, and households holding over 300 trillion yuan in real estate and 160 trillion yuan in savings [6]. - The transition from "individual heroism" to "institutionalism" and from "family control" to "social contribution" is essential for sustainable wealth management and societal stability [6]. Group 4: Importance of Trusts and Legal Frameworks - The development of family trusts and professional family offices is becoming increasingly vital for wealth transfer, with significant regulatory advancements in recent years [8]. - The establishment of a robust legal framework for wealth inheritance, including trusts and wills, is necessary to mitigate risks and ensure orderly transfers [9].