2007年6月5日星期二

窮兒子、富爸爸


有錢兒子與窮兒子,誰有機會領取同一個父親的遺產?

表面好像窮兒子需要更大,不過英國一個調查發現(New Economist),愈有錢的兒子愈大機會獲得最多的遺產,而愈窮的兒子,就愈難獲得分配財產。

同樣的道理,這個對二千人進行的調查發現,專業白人(Professional White)獲得遺產的機會,遠比平均人高,那管遺產是來自早已記不起親屬關係的遠房親戚。

點解老豆仲要將啲錢分比無咩金錢需求的兒子?

中國人說最怕「敗家仔」敗晒宗祖的身家,原來道理在外國一樣,有錢人不希望繼承人會將自己辛苦建立的財富王國,敗在下一代手上,相反,他們希望自己王國可以進一步發揚光大:「光宗耀祖」。

這個調查亦發現,只有四分一人會認真關注自己的遺產分配,這個比例到左八十歲的組別會較高,不過同後生仔一樣,老人家首要關注的、仍然是自己生活得開唔開心,其次先想遺產分怖問題!
這正好解釋大部分人都唔會先立遺囑,邊個想到自己會突然離世?
遺囑有個唔好處,就是多立幾分,好容易就構成後人上演庭上爭產的鬧劇,不過老人家如果真係只得一分遺囑,又好容易令子女認為「實食無黐牙」,結果又係搞到自己晚年無人理。如果唔係都唔會發生寧願留給看護、都唔比衰仔衰女的「真人秀」!

那麼,到底經濟學家點樣分配遺產?

很可能他們的答案與Money Café中、施永青提出的一樣簡單,就是他們不會留下遺產!

2 則留言:

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