關於信託的十大誤區(下)

信託誤區之六：信託設立過程繁複

信託合約可以是天馬行空，如完成某項任務取得憑證後可以獲得等，而對於簡單託管需求也有定型化合約型式。

信託的設立流程一般如下：

第一步：咨詢信託顧問，確認合約條款內容

第二步：複雜合約由信託律師撰寫，一般信託則採定型化合約即可

第三步：由委託人提供身份證明文件，並簽署信託合約

第四步：匯款至信託集合帳戶並等待照會確認

第五步：簽收信託合約

設立信託相對於因應未來的麻煩，可說是一點都不麻煩！

信託誤區之七：資產交付信託會失去控制權

當資產交付信託後，財產轉移至受託人，才能達到託管，以致資產隔離保全的作用。同時也代表著，受託人是唯一可以管理、處置的權利人。

如果有突發情況，需要更改或撤銷信託時，則可以透過修改信託合約來達成，而前提是在當時信託合約載明可撤銷或修改，雖然靈活性變大，但也要特別留意，如果信託的設立太過偏重委託人的權利，或是自益信託，在發生債務時，極有可能被債權人代位解除信託合約，正所謂有一利必有一弊。

因此，將不經常變動的資金水位放入不可撤銷信託中，就能達到隔離債務以及財務管理的功能。

信託誤區之八：立好遺囑就不需要信託

遺囑和信託都是可以預先分配財產，而最大的不同在於遺囑只有分配作用，而信託則具備分配及管理功能。信託必定有設立受託人來管理遺產，而遺囑則分配後就由繼承人自行管理運用。從繼承人角度肯定希望一次性轉移，而從被繼承人角度或許更想要讓一生打拼的成果有更好被使用，那麼遺產交付信託就是必要的。

另外更重要的，遺囑是”意願”的表達，合法但無效時有所聞(如涉及特留分，及真假遺囑等)，而信託是將財產打包至合約中，委託人意願將分毫無誤的分配。

遺囑和信託並非二擇一，而是相輔相成。然而，信託這麼好，為什麼長榮集團創辦人張榮發只立了遺囑而沒有設立信託？主因是資產為台灣的股權，一旦在台灣成立信託，高額的遺贈稅必須先繳納。而王永慶利用信託機制實行「所有權信託、經營權共治」，讓企業順利交班，用不用信託差別可見一斑。

預立遺囑結合信託管理機制，很多不可能將成為可能！

信託誤區之九：信託的公示會讓資產曝光

在台灣的信託法，若要對抗第三人，前提是需要公示登計，這很容易理解，然而，這個理所當然卻造成了台灣信託發展的阻礙。試問，有多少人願意把自己的財產曝光，更不用說，對於高資產人士來說，幾乎都有共同的原罪，就是財富來源「禁不起查」。

而在某些離岸的信託法中，開宗明義就是對於信託內容的保密。從台灣傳奇王永慶的遺產糾紛，至今仍然無法掌握海外資產可見財產信託後的隱秘性。而存在如此明顯的稅收BUG，各國稅務局當然也知道，因此在CRS(全球共同申報準則)的要求，固定信託受益人必須揭露，而任意受益人則不需要。在有錢人的世界裡，永遠是道高一尺，魔高一丈，貓🐱鼠🐭博弈永不止息~

信託誤區之十：我單身不需要信託

台灣的民法繼承篇中，無配偶子女，若父母皆已羽化成仙，那麼兄弟姐妹會是順位繼承人，而若是獨生子，那所有花不完的就只能充公了，充公或分給兄弟姐妹是我們想要的嗎？不是！那麼生前設立信託可以給想給的友人或慈善機構。

詐騙科技的進步，已經讓我在各個網站APP設定密碼膽顫心驚，到底是敵是友？如果是自己的不小心造成帳戶訊息的洩露，銀行可是不會負責損失，那麼分散使用多個銀行帳戶就有其必要，然後同時做好密碼管理，容易嗎？難！那就把未來長期要用的錢成立一筆信託資產，讓存量資產流量化，至少這個月被騙了，下個月錢還會再來，被騙就當花錢消災罷了，還真的沒什麼。

許多單身人士成立信託，還有一個單純的目的，就是透過”離岸”信託投資境外項目，如指示信託合約購買境外保險，就不需要專程出國。也能選擇海外多元化的投資工具(海外開放的金融操作，安全且年化8%~10%項目唾手可得)，由於委託人可以指示信託公司進行投資，範疇便不再受限於國籍，世界從此無限寬廣，45歲退休不會只是一場春夢。

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  256. 8454 County Road 45, Alderville, Ontario. K0K2X0 Our staff ensures the highest standards by handling your order with the utmost care. Every Cannabis product stocked by The Good Cannabis Company is supplied by the Ontario Cannabis Store. If you have a complaint regarding a Cannabis product, please let us know. We can pass the information on to the OCS who in turn will notify the Licensed Producers. 171 Mohawk Rd E Hamilton, ON L9A 2H4 Want to discuss? Please read our Commenting Policy first. Ontario will have no brick-and-mortar cannabis stores until April 1, 2019, with the only legal retailer being a provincial government-run online store. The government of Ontario has announced the AGCO as the regulator for privately run recreational cannabis stores.
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