为何选择阿法信托及托管方案 Why Alpha Trust & Custody Solutions
婚姻保護 | Marriage Protection
最高隱私 | Highest Privacy
税务计划 | Tax Plainning
保护年轻受益人 | Protect Young Beneficiaries
豁免遗嘱认证规定 | Exemption from Probate Requirements
傳承計劃 | Succession Planning
很多问题？Many Questions?
What is Family Trust and Private Trust?
我可否将海外资产授予受托人托管或未出生孩子为信托受益人？
Can I vest my overseas assets to my Trustee or assign my unborn child as the Beneficiary of my Trust?
如果我没有设立信托也没有遗嘱，我的资产會如何分配？
How will my assets be distributed if I do not set up a Trust Account nor execute a will?
有没有例案 Any Case Study?
信托是一种由三方组成的信托关系，其中一方被称为财产授予人（委托人），授予另一方（受托人）为第三者（受益人）的利益而拥有财产或资产所有权的权利。受托人可以根据其指示专业地管理财产授予人（委托人）的财产。
信托在全球得到广泛认可。海外法院和著名的金融机构也承认并利用这种结构。在香港，受托人不仅受香港信托法（《受托人条例》第29章和《信托承认条例》第76章）的约束，还受海牙国际法公约的约束。
信托法是几百年前在英国制定的。过去它是作为平等的一部分而构建的，这有助于填补普通法的限制。到目前为止，所有这些过去的判决已成为香港和其他英联邦国家的主要法律渊源。
A Trust is a fiduciary relationship in which one party, known as a Settlor, gives another party, the Trustee, the right to hold title to property or assets for the benefit of a third party, the Beneficiary. The Trustee can professionally manage the Settlor’s property in accordance with his or her instructions.
Trust is widely recognized around the world. Overseas courts and prestigious financial institutions also recognize such structure. In Hong Kong, Trustee is not only bounded by Hong Kong Trust Law (Trustee Ordinance Cap. 29 and Recognition of Trusts Ordinance Cap. 76) but also the Hague Convention of International Law.
The Law of Trust developed in the United Kingdom hundreds of years ago. In the past, it was constructed as part of the equity which helped to reduce the strictness of the Common Law. Nowadays, all these past judgements have become the main source of law in Hong Kong and other Commonwealth countries.
可靠。有两个主要原因：
1) 高合规监管
香港的信托服务已有100多年的历史，受根据英国信托法制定的《香港受托人条例》监管，香港信托也受《香港信托承认条例》保护。海牙公约也适用于这种信托的法律，这样委托人的资产可以得到高度保护。香港的信托持牌公司由香港特别行政区财政司司长直接监管。此外，香港信托是一个跨领域的金融行业，由多个机构同时监管。
2) 信托资产独立性
《受托人条例》第29章第89条规定，任何信托公司作为受托人收取或持有的所有金钱，财产和证券应始终与公司的金钱，财产和证券分开存放。每个信托都在账簿中进行标记，以将其与公司注册簿和其他账簿中的任何其他货币，财产和证券区分开。因此，任何时候都不得将信托资金构成公司资产的一部分或与公司资产混合。根据《信托承认条例》第3章第11条(b)规定，受托人无力偿债或破产时，该信托资产不得成为他财产的一部分。因此，信托资产受到法律保护，不受信托公司倒闭的影响。
Absolutely. Two Main Reasons:
1) High Compliance Regulation
Trust service in Hong Kong has a history of more than 100 years and are regulated by the Hong Kong Trustee Ordinance, which mirrors British Trust Law. Hong Kong Trusts are also protected by the Hong Kong Recognition of Trusts Ordinance of which The Hague Convention also applies to it. Trust Licensed Companies in Hong Kong are directly monitored by the Financial Secretary of the Hong Kong Special Administrative Region.
2) Independence of the Trust Asset
Section 89 of Chapter 29 of the Trustee Ordinance stipulates that all money, property and securities received or held by any Trust Company as a Trustee shall always be kept separately from the money, property and securities of the company. Each Trust is marked in the account book to distinguish it from any other money, property and securities in the company’s register and other account books. Therefore, no Trust money shall form part of the company’s assets or be mixed with the company’s assets at any time. The client’s assets will never be used to repay the debts of the Trust Company according to the Article 11 of Cap. 76 Recognition of Trusts Ordinance. Therefore, the Trust Assets are protected in law and not affected by the collapse of the Trust Company.
| 信托账户 Trust Account | 银行账户 Bank Account | |
|---|---|---|
| 法定头銜 Legal TItle | 受托人，信托公司 Trustee, Trust Company |
客户 Client |
| 保密性 Confidentiality | 高度保密。信任是保密协议。 High. Trust is a non-disclosure agreement. |
低。司法机构可以随时审查它。 Low. It can be accessed by the Judiciary. |
| 自主性 Autonomy | 高自主性。信托公司仅执行委托人的指示。
High. The Trust Company will only execute the instructions of the Settlor. |
低自主性。银行有权使用客户存放的资产，如果银行运作不正常时，可能会损失了客户银行帐户下的资产。 Low. Banks have the right to access the clients’ Bank Account. If the Bank does not operate well, the assets under the Bank Account may lead to personal losses. |
| 风险 RIsk | 可风险隔离。信托人无权冻结客户信托帐户中的资产，除非涉及任何非法活动，否则债权人很大可能无权要求追溯信托账户中的资产。 Risk Isolation. Trustee has no right to freeze the assets of clients’ Trust Accounts. Creditors are unlikely to have the right to claim the assets in the Trust Account unless any illegal activity is involved. |
无风险隔离。银行有权因不同的特定原因冻结银行帐户，债权人也有权追溯银行中的资产。 No Risk Isolation. Bank has the right to freeze clients’ Bank Account for different specific reasons. Creditors also have the right to claim the assets in the Bank Account. |
| 可持续性 Sustainability | 永恒。在香港，信托账户可以无限期存在，因此可以用来为未来的下一代进行计划，保护资本并计划其他长期计划。 Eternal. In Hong Kong, Trust Account can exist indefinitely, and can thus be used to plan for multiple generations ahead, safeguarding capital and permitting longer-term for more strategic planning. |
不可持续。如果客户发生意外，银行账户将被冻结，直到由遗瞩执行人处理该账户，该遗嘱执行人向法院申请遗嘱认证，经过漫长的过程后，执行者才可将根据遗嘱确定处理银行帐户中的资产。 Not sustainable. If a client has an accident, the Bank Account will be frozen until it is managed by the executor of the will who applies at the Court for Probate of the will. After a lengthy process, the executor will determine how to manage the assets in the Bank Account according to the will. |
| 私隐度 Privacy | 高私隐。在正常情况下，只有高等法院有权要求访问信托帐户的信息和资产，其他人包括受益人也无权过问。 High. Under normal circumstances, only the High Court has the right to request access to Trust Account information and assets. Others, including Beneficiaries, have no right to access any information of Trust Assets. |
低私隐。如果有必要，第三方随时可以查询帐户信息和资产的内容。 Low. Bank Account information and assets whereabouts will be queried if there is reason to do so. |
| 灵活性 Flexibility | 高灵活性。信托账户不仅接受现金，还接受海外财产、贵金属、数字资产等。 High. Trust Account accepts not only cash but also overseas properties, precious metals, digital assets, etc. |
低灵活性。银行账户主要接受现金，极不可能接受数字资产。 Low. Bank Account mainly accepts cash and is extremely unlikely to accept digital assets. |
| 服务 Services | 多元化的。信托账户可以供更多的全球服务，例如离岸账户、全球投资、全球支付、全球资产转移等。 Variable. Trust Account can provide global services such offshore accounts, global investments, global payments, global assets transfer, etc. |
有限的。银行帐户仅提供本地银行服务，投资选择仅限于银行自己的产品。 Limited. Bank Account only provides local bank services. Invesment choice is limited to the Bank own products. |
| 法规 Regulations | 信托监管主要是在普通法和公平原则的基础上发展起来的，信托责任是首要要求。从普通法和公平原则的基础出发，受托资产的法定所有权将不再以原始出资人的名义，而是转移给受托人。因此，在婚姻，家族封建或其他民事诉讼中，财产授予人的个人债权人或索偿人将不会诉诸信托下的此类资产。 Trust regulation has predominantly evolved upon Common Law and equitable principles where fiduciary duty is the overarching requirement. From application of Common Law and equitable principles, the legal title of assets vested under Trust will no longer be in the name of the original contributor but be transferred to the Trustee. Hence, personal creditors of the Settlor or claimants under matrimonial, family feudal or other civil litigation will not be able to claim the assets under Trust. |
银行监管通常基于精心制定的规则和条例，这些规则和条例管理银行机构需要严格遵守的几乎所有行动和报告要求。因此，客户的资产拥有个人或公司的法定所有权，这意味着针对个人或公司资产的法律挑战或索偿人的法律保护将更少。 Banking regulation is typically based on well formulated rules and regulations which govern almost all actions and reporting requirements which banking institutions need to follow to the letter. Hence, customers’ assets are under personal or corporate legal title which means there will be less legal protection from any legal challenge or claimant against the assets of the person or corporate. |
| 信托离岸账户 Trust Offshore Account | 离岸账户 Offshore Account | |
|---|---|---|
| 目标客户 Target Client | 适用于任何国籍的人 Available for Individuals of any Nationality |
不适用于任何国籍的人 Not available for Individuals of any Nationality |
| 开户时间 Time for Account Opening | 3-7 个工作天 3-7 Working Days |
6-9 个月 Up to 6-9 Months |
| 接受的资产类型 Types of Assets Accepted | 大部分资产，例如房地产、黄金和其他投资 Mosly Assets, like Real Estates, Gold and Other Investments |
只收现金 Cash Only |
| 注册费用 Registration Fee | 大约 HKD100,000 Approximately HKD100,000 |
大约 HKD50,000 Approximately HKD50,000 |
| 服务 Services | 有独立的客户经理跟进 Served by Individual Account Manager |
自己跟进 Self Service |
| 全球支付 Global Payment | 允许 Support |
大部分不允许 Mostly Unsupported |
| 现金存取款项 Cash Deposit and Withdrawal | 没有限制 No Restriction |
有限制 Limited Amount |
自主和灵活使用信托
信托可用于支付账单付款、物业租金、汽车还款和信用卡还款等日常生活费用。受托人可以按照委托人的指示从信托帐户中提取资金，以支持有需要的家庭或支付医疗和其他紧急费用。信托帐户可以集中所有资产并提供全功能服务，甚至银行也可能无法提供。大多数银行机构不支持与贵金属，大量现金或海外资产进行交易或接受其托管。我们拥有一支专业的客户关系管理团队，他们具有专业资格，扎实的投资和财务知识，可为您提供量身定制的财富管理解决方案。借助全球专家团队，我们可以提供全面的解决方案，以支持您的日常财务需求和跨境财务需求。信托帐户可以储存各种资产，包括现金、保险单、贵金属、房地产和汽车。客户还将获得一张资产抵押万事达卡信用卡。信用卡限额基于信托帐户下的资产，并且信用额没有限制，从而您就可以享受跨地区跨银行服务和众多投资机会。最大限度地利用您的资产。
资产保护
完善的信托可以保护您的财富，并通过该信托持有您的资产，从而有效避免债权人将来提出债权追溯。信托还使您能够保护继承的资产免遭家庭成员的浪费，为今世后代的未成年或残障成员提供生命保护。通过利用我们的跨司法管辖区的银行类合作伙伴网络，信托还可以在政治不稳定时期保护您的资产。我们还可以协助您进行业务继承安排。大多数先进的司法管辖区都有银行存款保护计划，为我们的客户增加了额外的安全性。
隐私保护
你和信托受益人的身份是高度机密。没有必要担心资产的冻结。它可以保护家族资产不受债权人或其他索赔人的损害。
税务计划
信托是国际公认的税务规划工具。在健全的法律框架和香港法律的保护下，信托可以避免继承人的税务负担。
保护年轻受益人
如果你所爱之人年纪尚小或者没有能力管理自己的财富，信托可以为他们妥善管理信托资产，并用其支付受益人生活费用。
豁免遗嘱认证规定
信托名下的资产由受托人管理，因此不属于托管人的财产。设立信托可以确保资产可以快速有效地分配给指定的受益人，而不必经过漫长而昂贵的遗嘱认证法庭程序。换句话说，你把资产的合法所有权交给受托人，受益人拥有实益所有权。
财富继承
通过建立信托，你可以帮助你的家庭资产代代相传，你的家族企业是可持续的。
信托法遵循英国的普通法，已有100多年的历史。私人信托账户与传统的银行业务和新兴的金融服务理念相结合，已成为当今资产管理的最热门选择。信托账户可以提供高度的隐私和资产增值，资产受到绝对保护。香港具有许多优势，因此信托帐户发挥其独特的功能，包括低税制，美元挂钩汇率，高监管环境，自由进出香港的资金以及各种有利因素加速了快速增长。信托账户显然是最佳的财务选择。
Control and Flexible use of Trust
Trustee will allocate Trust assets to Beneficiaries in accordance with the wishes of the Settlor, including any time and conditions imposed. The Trust can be used for payment of daily living expenses such as bill payment, property rental, car repayment and credit card repayment. The Trustee can withdraw funds from the Trust Account as instructed by the Settlor to support families in need or to meet medical and other emergency expenses. Trust Account can centralize all your assets and provide full function services, which even banks may not be able to offer. Most banking institutions do not support transactions with/on or accept custody of precious metal, large cash amounts or overseas assets. We have a dedicated team of relationship managers with professional qualifications, solid investment and financial knowledge to provide wealth management solutions tailored to your personal needs. With a global team of experts, we can provide a comprehensive solution to support your daily financial needs and cross-border financial requirements. The Trust Account can safekeep different assets including cash, stocks, private company shares, insurance policies, precious metals, property and vehicles. Customers will also obtain a personal Asset Link Mastercard credit card. The credit card limit is based on the market value of the assets under the Trust Account and there is no limit to the amount of credit, thus you can enjoy cross-regional cross-banking services and a world of investment opportunities.
Asset Protection
A well-established Trust protects your wealth and holds your assets through the Trust to effectively avoid future claims by creditors. Trust also allows you to protect inherited assets from being squandered by family members, provide life protection for current or future generations of minor or disabled members. By leveraging our network of multijurisdictional banking class partners, a Trust can also protect your assets in times of political instability. We can also assist you on business inheritance arrangements. Most advanced jurisdictions have banking deposit protection program in place, adding in an extra level of security for our customers.
Protection of Privacy
The identity of you and the ultimate Beneficiary of the Trust is highly confidential, keeping the potential of any assets being frozen to a minimum. It can protect the family assets from creditors or other claimants.
Tax Planning
Trusts are internationally recognized tax planning tools. Under a robust legal framework and the protection of the laws of Hong Kong, the Trust can minimize the tax burden of heirs.
Protect Young Beneficiaries
If your loved ones are young or do not have the ability to manage their wealth, the Trust can properly manage the Trust assets for them and use them to cover the living expenses of the Beneficiaries.
Exemption from Probate Requirements
Assets under the name of the Trust are managed by the Trustee and therefore not part of the Settlor estate. Setting up a Trust ensures that assets can be distributed quickly and efficiently to your designated Beneficiaries without having to go through lengthy and expensive probate court proceedings. In other words, you give legal ownership of the assets to the Trustee, and the Beneficiary has beneficial ownership.
Succession Planning
By setting up a Trust, you can help your family assets pass on from generation to generation or ensure your family business is sustainable.
Trust legislation follows the common law of the United Kingdom and has a history of more than 100 years. Private Trust Account combined with the traditional banking and the emerging financial services concepts, has become the hottest choice of asset management today. Trust Account can provide a high degree of privacy and asset appreciation, assets are absolutely protected. Hong Kong has many advantages so that the Trust Account plays its unique functions including low tax system, USD linked exchange rate, high regulatory environment, free access to funds in and out of Hong Kong and a variety of favourable factors have accelerated the rapid growth of the trust account. The Trust Account is clearly a time-bound financial choice.
信托可以持有多种资产，包括但不限于以下所列资产：
- 房子和其他房地产
- 股票、债券和其他投资
- 银行账户（将您的银行账户转到信托，只需更改您的账户注册）
- 大额人寿保险（如果受益人是儿童，保险信托可以将保单赔偿存储在信托中，由信托公司为儿童管理，直到儿童成年后才分配资产，避免亲属接管资产，引起财务纠纷）
- 中小企业收入（小企业股份，合伙收入，或有限责任公司所有权）
- 贵重金属
- 车辆
- 艺术品、飞机、游艇（需独立讨论）
根据《受托人条例》第29章第81(f)条，受托人可以保管任何款项、证券、珠宝、金银器皿或其他贵重财产及证件、文件、契据、遗嘱、债权证以及关乎所有权或负债的其他证据。通过将资产放入您的信托帐户，我们将严格按照您的指示管理您的资产，您可以最大程度地灵活地投资和管理资产。
A wide range of assets can be held by Trust, including but not limited to those listed below:
- House and Other Real Estate
- Stocks, Bonds, and Other Investment
- Cash in Multiple Currencies (we also offer Offshore Bank Accounts)
- Large Life Insurance Policies (if the Beneficiary is a child, the Insurance Trust can store the policy compensation in the Trust, managed by the Trust Company for the child, until the child reaches adulthood before allocating assets, avoiding possible family disputes)
- SME Ownership and Income (small business shares, partnership income, or limited liability company ownership)
- Precious Metals
- Automobile
Works of Art, Aircraft, Yachts
According to Section 81(f) Trustee Ordinance Cap. 29, a Trustee can hold currencies, securities, jewellery, automobile license plate or other valuable property and of papers, documents, deeds, wills, debentures and other evidence of title or indebtedness on trust for and on behalf of you. By putting your assets into your Trust Account, you can invest and manage them with the greatest degree of flexibility. We would manage your assets strictly in accordance with your instructions. We has set up an Offshore Trust Account which is recognised by different jurisdictions. We welcome our clients to transfer their capital to our Offshore Trust Account.
信托账户也适用于所有希望获得多元化投资机会以增加资产价值的客户：
- 关注高资产和消费者隐私
- 外汇管制范围
- 上市公司
- 地区风险高，政治风险大
- 避开资产被冻结的客户
- 移民或打算移民的客户
- 高税收地区的客户
- 需要离岸账户操作的客户
We would recommend to those who:
- Want to access diversified investment opportunities to increase their asset value
- Are living in countries that may have high tax regime or other financial controls
- Company which is ready to go public
- Are living in countries with high financial instability and political risk
- Are concerned with personal assets being frozen
- Immigrate or intend to immigrate
- Need offshore account-based operations
在阿法集团，赢得您的信任并为我们的客户提供服务是我们的首要任务。我们是具有法定职称的受托人和保管人。然而，所有资产均由持牌金融机构或同类最佳的托管人持有。
我们还以高度的法律合规性为荣。从开户表格到信托契约，我们所有最重要的法律文件均得到我们外部大律师的法律意见的支持。我们坚守最高标准为客户更好的服务安排，因此我们有信心为客户提供质量保护，使其免受潜在的监管和诉讼风险的影响。
《信托条例》第8部分第77(2)条要求所有上市公司的受托人被许可人必须向政府会计服务部存入一笔大笔款项。除了遵守此法定要求外，我们还自愿购买了专业赔偿保险和完整的第三方责任险，以使您更加放心。
《承认信托条例》第76章第2条规定，我们的客户和我们的信托帐户均受法律管辖。
《受托人条例》第29章第97条进一步规定，信托公司的雇员应对法院负责，并受法院程序的管辖，就如同他被亲自任命为受托人一样。
与提供给银行帐户的《银行业条例》相比，信托结构无疑为客户的资产提供了更大的保护范围。
At Alpha Group, earning your trust and serving our clients are our utmost priorities. We are trustees and custodians in legal title. Yet all assets are held by licensed financial institutions or best in class custodians.
We also pride ourselves on our high legal compliance. All our most important legal documents, from account opening forms to trust deeds are supported by our external Barrister’s legal opinion. This top-notch standard we hold ourselves to will result in better servicing and trust arrangements such that we are confident it provides quality protection to our customers from potential regulatory and litigation risks.
Part VIII Section 77(2) of the Trustee Ordinance requires all public company Trustee licensees to place a substantial deposit with the Government’s Department of Accounting Services. In addition to compliance with this statutory requirement, we also have voluntarily taken out professional indemnity insurance and full third-party liability insurance for your added peace of mind.
Section 2 Recognition of Trusts Ordinance Cap. 76 states that our clients’ and our trust accounts are governed by the law.
Section 97 Trustee Ordinance Cap.29 further provides that employees of a trust corporation shall be personally responsible to the court and subject to the process of the court as if he is appointed as a Trustee personally.
The structure of trust provides a greater scope of protection to clients’ assets than the Banking Ordinance offered to the banking account customers. We comprise experts from different fields. Together, we form a well experienced team to manage your account and assets.
