How to set up a family fund investment method?

There are three main ways to invest in the family**:

1.Direct investment model: direct investment, private equity, real estate and energy investment. The advantage is that it can be controlled directly. The disadvantage is that the asset allocation is single and the risk is concentrated.

2.Global, all-asset allocation indirect investment in accordance with the university** model, i.e., **investment: most families adopt this approach. The university** model has been tested by the market to achieve long-term stable returns.

3.Hybrid model: direct and indirect investment at the same time, generally adopted by families with large assets, including the Soros family mentioned above, as well as the Bill Gates family, the McDyer family, etc.

The advantage is a balance between risk and reward. The downside is that the cost to the team is high.

China's family** has just started, and it is basically still focusing on direct investment, but it has also begun to try indirect investment, such as Ma Yun investment hedging**, Yunfeng**, etc. China's economic transformation is a good opportunity for the internationalization and professionalization of Chinese families, and we can learn from the model of European and American families.

Direct investments, private equity, real estate and energy. The advantage is that it can be controlled directly. The disadvantage is that the asset allocation is single and the risk is concentrated.

It can also be invested in accordance with the university model, which is currently a more mature form of indirect investment with full asset allocation, that is, investment: most families use this method. The university** model has been tested by the market to achieve long-term stable returns.

Since its establishment, Umai has been committed to screening global investment opportunities, providing personalized asset management solutions, and supporting the establishment and operation of family offices for Chinese family offices. If you want to build a family**, you can ask Youmai for specific advice.

Any couple should be aware that starting a family comes with some daily expenses, such as monthly rent, utilities, gas, insurance policies, grocery bills, and any child-related expenses, which should be paid for by a public savings account. Depending on the amount of income the couple earns, each person should contribute an appropriate share to this communal account.

In order for this communal ** to work well, there must also be some fixed arrangements so that the couple can enrich the ** regularly and use it wisely. Monitor your joint financial expenses Often, one of the spouses will be the treasurer of the household and will be in charge of the household's expenses, as she or he will have more time to spare or be more willing to take on the work.

However, this does not mean that the other person should not be concerned about the family's finances. Remain independent Many financial advisors agree that any individual should have their own private account, and it is important to note that you should keep a record of your spending. Life insurance Everyone should take out life insurance so that in the event of misfortune for one party, the other party can have some protection, at least financially.

Building Retirement** The average woman lives longer than a man. Based on this, newlyweds should have their own retirement plan, either in the form of an individual retirement account or pension plan that allows your spouse to be the beneficiary of your retirement**.

Answer 1: Under China's current legal system, in the true sense, the family ** association with the purpose of family inheritance cannot be established. In reality, people often refer to those associations set up by individual donations for public welfare as family associations.

2. However, even this kind of ** meeting may only be called a family ** meeting, not a family ** meeting. Because these ** will only be controlled by a certain person or a small family, rather than the collective control of the entire family. If the major shareholders can have a mutual inheritance relationship in accordance with the provisions of the inheritance law, it is a family business; If there are relatives among the major shareholders who do not inherit each other, but are still within the traditional Chinese "five services", such an enterprise can basically be called a family business.

3. If the main shareholders of the enterprise have a surname and have a long-term kinship, but it has gone beyond the scope of "five services", then according to the traditional Chinese culture, such an enterprise can probably be called a clan enterprise.

4. If we can distinguish between family business and family business and correctly understand the definition of family business, then it is not easy for us to consider the problem within the family relationship when designing the family meeting.

5. And based on the whole family, even the clan.

5. The best meeting designed based on the interests of the whole family and even the clan, the interests and roles of individual people are not so important. In such a situation, if the structure is scientific and the system is rigorous, such a meeting should be able to win a longer vitality.

Family**: Everyone pools money, finds a custodian bank to open a special account, and hires a professional financial planner to set up a family**.

Clarify the establishment of the family ** personnel, the purpose of the establishment, the specification, the scope of use, etc.

Family foundation refers to the capital mainly in the form of multiple members of the same family, whether in the form of a trust, an offshore company, or a single account or bank account, can be collectively referred to as "family**". The concept of family ** is more popular in European and American countries, and it is just starting in China.

Advantages: 1. Allocate resources professionally and reasonably according to the client's wishes.

According to the concept of family trust**, we can know that family trust** entrusts family property according to the settlor's wishes and hands it over to professionals for reasonable allocation. Professional trustees can make capital create greater value, and reasonable resource allocation can optimize the capital structure of family enterprises.

2. Handle the relationship between children and property more professionally.

One aspect of a family business that is very important is the distribution and inheritance of property. Some children are too profligate, and if they are allowed to dispose of their assets, it will cause a large outflow of business assets and the loss of family business. The family trust** solves this problem reasonably, and according to the opinions of the settlor, formulates the amount and time of the children's acquisition of property, etc., which gives a lot of help to the development and healthy operation of the family business.

3. You can use the trust to save taxes reasonably and avoid taxes.

The trustee or trustee can formulate the property inheritance method through a compliant and professional method, and effectively achieve the purpose of saving water and avoiding taxes.

One of the benefits of the family ** is that there is a special person to take care of it, which will bring an income of eating and drinking every year, and its risk is very low.

There are usually two benefits of the family, the first benefit is that you can use this part of the family to make a comeback when there is a problem in the family's business. The second advantage is that if the children and grandchildren are particularly incapable, then at least they can ensure their daily life.

The establishment of a ** meeting shall meet the following conditions:

1) Established for a specific public interest purpose;

2) The original ** of the national public offering will not be less than 8 million yuan, the original ** of the local public offering will not be less than 4 million yuan, and the original ** of the non-public offering will not be less than 2 million yuan; The original ** must be in the currency in which it is received;

3) Have a standardized name, charter, organizational structure, and full-time staff appropriate to their activities;

4) Have a fixed residence;

You don't need any conditions to do anything in your own home.

Family foundation refers to the capital mainly in the form of multiple members of the same family, whether in the form of a trust, an offshore company, or a single account or bank account, can be collectively referred to as "family**". The concept of family ** is more popular in European and American countries, and it has just started in China, so what are the conditions for the establishment of family **?

1. It is established for a specific public welfare purpose;

2. The original ** of the national public offering will not be less than 8 million yuan, the original ** of the local public offering will not be less than 4 million yuan, and the original ** of the non-public offering will not be less than 2 million yuan; The original ** must be in the currency in which it is received;

3. Have a standardized name, charter, organizational structure and full-time staff suitable for its activities;

4. Have a fixed residence;

5. Be able to bear civil liability independently.

That's it for the introduction of what are the conditions for the establishment of the family.

Handling procedures: The registration management organs shall make a decision to approve or not to register within 60 days of receiving all the valid documents listed in the preceding paragraph. If the registration is approved, the "Registration Certificate of the Branch (Representative) Office of the ** Association" will be issued; Where registration is not granted, the reasons shall be explained in writing.

The registration management organs shall make a decision to approve or not to register within 60 days of receiving all the valid documents listed in the preceding paragraph. If the registration is approved, the "Registration Certificate of Representative Offices of Overseas ** Associations" will be issued; Where registration is not granted, the reasons shall be explained in writing.

The matters to be registered for the establishment and registration of the representative office of the overseas ** association include: name, domicile, business scope and person in charge of public welfare activities.

The representative office of the overseas ** association shall engage in public welfare activities that are in line with the nature of China's public welfare undertakings. Overseas ** will bear civil liability for the civil acts of its representative office in Chinese mainland in accordance with Chinese law.

If it is necessary to change the registration items of the ** meeting, ** branch office, ** representative office of the ** association and the representative office of the overseas ** association, it shall apply to the registration management authority for a change of registration.

In any of the following circumstances, the representative office of the ** meeting or overseas ** meeting shall apply to the registration management authority for cancellation of registration:

1) It is terminated in accordance with the provisions of the charter;

2) Unable to continue engaging in public interest activities in accordance with the purposes provided for in the charter;

3) Termination due to other reasons.

** If its branch or representative office will be revoked, it shall go through the cancellation of the registration of the branch or representative office with the registration management authority.

**If it will be cancelled, its branches and representative offices shall be cancelled at the same time.

** Before going through the cancellation of registration, a liquidation organization shall be established under the guidance of the registration management authority and the professional supervisory unit to complete the liquidation work.

** The committee shall cancel the registration with the registration authority within 15 days from the date of completion of liquidation; During the liquidation period, no activities other than liquidation shall be carried out.

The establishment, alteration, and cancellation of registration of ** associations, ** branches, ** representative offices of ** associations, and overseas ** representative offices shall be announced to the public by the registration management organs.

From the perspective of the family association, in order to achieve its own development, first of all, it is necessary to clarify and implement the ideals and values, which are the soul of the family association. The purpose of many associations is to promote the development of public welfare undertakings, as well as the development and progress of society.

In terms of operation, it is necessary to rule of law and standardize. The rule of law requires a good legal environment, which requires the participation of all sectors of society; At the same time, the standardization of the internal governance structure and the standardization of charity project management are also very important.

The second is to maintain and increase value. The preservation and appreciation of the value of the family will be no different from the preservation and appreciation of other institutions, but as mentioned by the previous speakers, in fact, the first will do the work of maintaining and increasing the value, which is not as good as the enterprise itself, and the family founded by the entrepreneur should have its own unique advantages in terms of maintaining and increasing the value.

About human resource development. There is the cultivation of society, the cultivation of schools, and the cultivation of the society itself. It should be noted that talents have a value, and there is a problem of treatment. **The restriction policy on the treatment of employees is not conducive to the introduction of talents, and it is hoped that it can be improved as soon as possible.