Liu Yi smiled, donating money, he can't do it himself, "You can donate some, but I don't think there's anything wrong with you wanting your family to live better, the key is, do you think your children will squander your money in the future, or will they make better use of this money?" Maybe you don't know." Huang Zhen nodded, he did think so. "I can't do anything without leaving something for my kids, I'm just worried that they won't go the way I want them to. Liu Zhi nodded and looked at Huang Zhen and Li Ge.

"What do you mean?" asked Li Ge curiously.

"Do you think you will know the life of your children after death?" looked at them and shook their heads, "We just hope that our descendants will be better and not do things beyond normal morality, and we don't want them to become the rich second generation that everyone hates, and waste everything they have worked hard to earn, hoping that their wealth can continue forever and continue to serve their families, and we hope that they will not waste this wealth and can make this wealth last." ”

"Yes, I want my parents and my brother to have a secure life in the future, but I don't want them to work hard because of wealth, and treat my wife and children the same. I can't avoid death, but I hope that the money I have worked hard to earn will continue to develop better. Huang Zhen nodded, "If the money is inherited by my wife, whether she will take good care of my parents and children, there is no guarantee, it is very likely that it will be used by his family, I don't want to see it." What will happen to my children if they are inherited by my parents? If under normal circumstances, everyone will get a share, and the property will be diluted, and there may be money now, but what will happen in the future? My parents and brother are not high-level people, and if they have money, they are likely to squander it. Huang Zhen said worriedly.

Liu Zhi nodded, "What we are most worried about is that our efforts will eventually become in vain, but we hope that the family can no longer worry about life, and the children can inherit their own better life." It's human nature, and that's what I think. ”

"Since they all think like this, what else can be done to solve it?" Huang Zhen looked at Liu Yi, was it just to ask him to come out and relax?

"I think you can refer to the practice of some rich people in the United States, donate all your assets to charity, and then set up a foundation, your son has a veto power over this foundation after the age of 18, but does not participate in the operation, this fund is responsible for managing all your funds, and you can make a will, how much the annual income of the fund is used to pay for the life of the family, how much can parents get, how much can brothers take, how much can sons and wives can do, so as to ensure their lives, and then how to distribute the annual income of their descendants, according to how much proportion, according to this shareNo matter how many descendants you have, you will not be short of money, you can get financial support from the fund company, and your own money can always contribute to your descendants, they will not be lazy because of it, you can work hard for your own life, the fund belongs to the family, and it does not essentially change the nature of the inheritance, but it can make your wealth more durable. ”

"Can't you take out this money all at once?" Li Ge seemed to understand.

"Yes, what can be taken out is the income instead of the principal, you can also set the ratio, when the annual profit exceeds five percent, the family can distribute the amount of profit, the foundation can distribute how much as bonuses, and so on. Liu Zhi nodded, "The principal of your wealth will never change, and if the fund is well run, the income of the children will naturally be high, which is a bit similar to the Nobel prize." ”

Listening to Liu Yi's explanation, Li Ge understood a little, he was also worried about such a problem, in case he died in the future, how should his descendants be arranged, there are more people in the family, there will naturally be family struggles, I am afraid that it will be like the Huang Zhen family, there will be fights between relatives, but if according to Liu Yi, everyone will get money, but no one can touch this wealth, and there are fixed people to run the entire fund. Li Ge can probably figure out how much he earns each year, and according to this ratio, his children will also earn a lot after his death.

"You mean that the money is still ours, but if someone else takes care of it, and then distributes the money to the family, my family can have a veto fund and do things that harm the income, right?" Huang Zhen also understood a little, he also put a lot of effort into this, even if he didn't want to know, someone would still come to the door.

"Basically, someone supervises where your money goes, and at the same time someone makes money specifically for you, with the expansion of our green source, the income will be higher and higher in the future, but it is inevitable that there will be problems in the development, the market income is getting less and less, your foundation changes the investment direction, looking for more promising industries, to ensure that your principal is not lost, no matter how powerful we are, it is impossible to surpass those business talents, but we have money, we can let them serve us, and at the same time supervise them not to make choices that jeopardize our funds. Liu Zhi nodded, he planned to do this, because the amount of funds is too large, and he also has a lot of considerations, this fund needs a special team to manage, and ordinary teams can't manage it at all. E-Book Workshop

"How do you ensure that you can supervise the management team of this fund?" asked Huang Zhen seriously.

"The formation of three-way management, is to let your family, the management team of the fund, the lawyer team form a tripartite supervision, will not make decisions that jeopardize the development of the fund, so that it will be relatively stable, there is no absolute security in the world, just relatively safe, in the future your son will also get married, there will be children, your parents will also die, but their pension is no problem, your wife will choose to live her own life, the compensation should be compensated to her, while she is still alive, arrange her future affairs. Liu Yi said seriously, "I can introduce you to a team, you can learn about the details, you can think about it." ”

Huang Zhen and Li Ge didn't think about it, they both felt that it would be better to let their children manage their funds directly, and they hadn't considered a more radical way like this, and they both felt that the traditional way was better.

"Okay, don't think about these things, we have time to think about them, all choices have reasonable reasons, you have your own freedom to choose how you choose, you don't have to do what I say. ”

Liu Yi does not want to force his friends to accept his own ideas, but only hopes to be able to give them a choice, so that they can have one more way of thinking, than being limited to such a simple traditional way, whether their children can inherit the business according to their own will, it is difficult to say, as long as they ensure that their family is always rich, it is enough. He also needs to think about how to get his family out of the dangerous industry, which he has considered, and how to distribute the shares of so many companies is a problem, even if he wants to do it, it will be difficult to actually do it.

Looking into the distance, it is too quiet here, there is no loud sound, and it is easier for everyone to calm down," I haven't been quiet for a long time, I suddenly feel that the hard days in the countryside when I was a child are the happiest days, I can not think about anything, I can also do nothing, every day as long as I lay pigweed and drive the cattle home, the family never forced me to study hard, nor did they ask me to do more farm work, I can not think about anything, the night is as quiet as now, I can go to bed early, and soon fall asleep, generation after generation on the land to find food, not too full and not hungry, no need to think about a big house, no need to think about marriage。 ”

"A simple life is the happiest, a busy day is the most purposeful, and both of them will make you feel satisfied, not tired, but fulfilled. Liu Yi said with a sigh that he lived in the countryside for many years, at that time, he teased birds and insects in summer, built snowmen and snowball fights in winter, and the ridge was his eternal battlefield, and his carefree and fulfilling life was the same, and it would not make people feel lonely and bored.

"yes, when we were kids, the two of us fought in the yard and it was pretty good. Li Ge said with a smile, "You were still quite popular back then, and many little girls who played with you wanted to be your wife, but unfortunately they are all married now, and you have indeed become the groom of many people." ”

"Nowadays, children are all comparative, and this little guy shows off his toys at school every day, and he has been beaten a lot for this. Li Ge looked at Liu Yi with a smile, "His show-off will only attract jealousy and more comparisons, it's best when they are ignorant, do your children have trouble with this?"

"They won't have, they don't know if their father has money or not, everything will become a matter of course. Liu Yi shrugged, they didn't care about these at all, family education was okay, and these children were quite competitive.

"My kid has been spoiled by my parents, my brother, and my wife, and they often want the latest and best toys, and they will choose a lot of things for themselves, and what they want at home will also come through him, and I have paid a lot of money for this, and I am worried that he has been caring about money and will not be able to make it in the future. Huang Zhen said worriedly.

"Break their thoughts, naturally it's fine, when he understands, he will naturally take his own responsibility, the gentleman also has a day to turn back, unless he gives it up himself, you can also make a valve for his future to prevent more extreme situations. Liu Yi smiled, "Since we have money, it is meaningless to admit that we have no money, the most important thing for us is to live our lives well." ”