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調查：美國嬰兒潮一代將不留遺產
Baby Boomers to kids: Inheritance? Maybe not

[ 2012-06-20 08:38]

來源：中國日報網

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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.)

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(Agencies)

大多數年輕富有的美國人認為把財產傳給后代很重要。如果知道自己的父母并不這么想，他們可能會感到失望。

美國銀行的分支機構美國信托公司周一發(fā)布的一項富人年度調查發(fā)現(xiàn)，46歲以下的富有的美國成人有四分之三表示會優(yōu)先把錢留給自己的孩子。

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。事實上，接受調查的嬰兒潮一代有三分之一稱他們寧愿將錢捐給慈善機構，而不是留給孩子。

他們的理由是什么呢？據調查，一些人說他們認為每代人都應該創(chuàng)造自己的財富，另一些人說在孩子成長時給孩子的成功做投資更為重要。該調查涵蓋了642名富人，每個人至少有300萬美元的可投資資產。

美國信托公司的總裁基斯?邦克斯說：“我們的調查顯示出一代人在行為和觀點上的轉變，很可能是個人經歷和社會對經濟現(xiàn)實的反應影響的結果。”

大多數被調查者甚至不和子女談錢：只有37%的人稱他們向子女透露了自己的全部凈資產額。那些67歲以上的人稱他們不和子女討論錢，因為他們的父母也不和他們談錢。而較年輕的受訪者稱，他們不想妨礙對孩子職業(yè)道德的培養(yǎng)。

該研究的其他幾個亮點如下：

十分之六的有錢父母對于孩子是否會較好地處理遺產不是很有信心。嬰兒潮一代在這方面最沒信心。

42%的嬰兒潮一代和54%的46歲以下的受訪者為父母或其他親戚支付醫(yī)療費用。