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Baby Boomers to kids: Inheritance? Maybe not
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 Mariangela Petrone of Bronx, New York, rides an all-terrain vehicle she wrapped in the final round of the Scotch Brand Most Gifted Wrapper Contest in New York December 3, 2010. |
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Most young, wealthy Americans believe it's important to pass money on to their heirs. They may be disappointed to learn that their parents don't feel the same way. In an annual survey of the wealthy released on Monday by US Trust, a division of Bank of America Corp, three-quarters of wealthy adults under age 46 said it's a priority to leave money for their kids. But just 55 percent of Baby Boomers - those age 47 to 66 - said they share that sentiment. In fact, one of every three surveyed said they'd rather leave money to charity than to their kids. Their reasoning? Some said they believe that each generation should create its own wealth, while others said it's more important to invest in children's success while they are growing up, according to the survey of 642 individuals who have at least $3 million in investable assets. "Our survey points to a shift in generational behavior and outlook, most likely shaped by personal experience and societal responses to economic realities," said Keith Banks, president of US Trust. Most of those surveyed don't even talk to their kids about money: just 37 percent said they've fully disclosed their net worth to their children. Those over age 67 said they weren't having this discussion because they were raised not to discuss money, while younger respondents said they didn't want to inhibit their kids' work ethic. A few other highlights from the study: * Six in 10 wealthy parents are not fully confident their children will be well-prepared to handle an inheritance. Baby Boomers have the least degree of confidence. * Forty-two percent of Baby Boomers and 54 percent of those under age 46 are paying medical costs for their parents or other relatives. * Two-thirds of those surveyed have not made, nor do they have plans to make, a monetary gift to family members to reduce the size of their taxable estate before the end of 2012, when tax laws are expected to change. (Read by Emily Cheng. Emily Cheng is a journalist at the China Daily Website.) (Agencies) |
大多數(shù)年輕富有的美國(guó)人認(rèn)為把財(cái)產(chǎn)傳給后代很重要。如果知道自己的父母并不這么想，他們可能會(huì)感到失望。 美國(guó)銀行的分支機(jī)構(gòu)美國(guó)信托公司周一發(fā)布的一項(xiàng)富人年度調(diào)查發(fā)現(xiàn)，46歲以下的富有的美國(guó)成人有四分之三表示會(huì)優(yōu)先把錢(qián)留給自己的孩子。 但是只有55%的嬰兒潮一代（47歲到66歲人群）表示他們也持有相同觀點(diǎn)。事實(shí)上，接受調(diào)查的嬰兒潮一代有三分之一稱(chēng)他們寧愿將錢(qián)捐給慈善機(jī)構(gòu)，而不是留給孩子。 他們的理由是什么呢？據(jù)調(diào)查，一些人說(shuō)他們認(rèn)為每代人都應(yīng)該創(chuàng)造自己的財(cái)富，另一些人說(shuō)在孩子成長(zhǎng)時(shí)給孩子的成功做投資更為重要。該調(diào)查涵蓋了642名富人，每個(gè)人至少有300萬(wàn)美元的可投資資產(chǎn)。 美國(guó)信托公司的總裁基斯?邦克斯說(shuō)：“我們的調(diào)查顯示出一代人在行為和觀點(diǎn)上的轉(zhuǎn)變，很可能是個(gè)人經(jīng)歷和社會(huì)對(duì)經(jīng)濟(jì)現(xiàn)實(shí)的反應(yīng)影響的結(jié)果。” 大多數(shù)被調(diào)查者甚至不和子女談錢(qián)：只有37%的人稱(chēng)他們向子女透露了自己的全部?jī)糍Y產(chǎn)額。那些67歲以上的人稱(chēng)他們不和子女討論錢(qián)，因?yàn)樗麄兊母改敢膊缓退麄冋勫X(qián)。而較年輕的受訪(fǎng)者稱(chēng)，他們不想妨礙對(duì)孩子職業(yè)道德的培養(yǎng)。 該研究的其他幾個(gè)亮點(diǎn)如下： 十分之六的有錢(qián)父母對(duì)于孩子是否會(huì)較好地處理遺產(chǎn)不是很有信心。嬰兒潮一代在這方面最沒(méi)信心。 42%的嬰兒潮一代和54%的46歲以下的受訪(fǎng)者為父母或其他親戚支付醫(yī)療費(fèi)用。 盡管2012年底稅收法將會(huì)出現(xiàn)變動(dòng)，但三分之二的被調(diào)查者還沒(méi)有制定也不打算制定在2012年底之前將財(cái)產(chǎn)贈(zèng)與家人以減少應(yīng)納稅資產(chǎn)的計(jì)劃。 相關(guān)閱讀 調(diào)查：多數(shù)美國(guó)人戀舊 寧愿回到過(guò)去 英國(guó)“超級(jí)守財(cái)奴”留25萬(wàn)英鎊遺產(chǎn) （中國(guó)日?qǐng)?bào)網(wǎng)英語(yǔ)點(diǎn)津 陳丹妮 編輯：Julie） |
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Vocabulary: sentiment: 意見(jiàn)，觀點(diǎn)。share the sentiment意思是“意見(jiàn)一致”。 |
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