A key beneficiary of the wealth tsunami in the UK is likely to be the state. The Office for Budget Responsibility forecasts that receipts from inheritance tax in the UK will continue to rise, with nearly £21bn expected to be paid by estates between 2017-2021. The extent to which families can reduce their potential inheritance tax depends, to a large extent, on their personal values, priorities and ability to plan their finances on a family-wide basis.
在英国,这场财富“海啸”的一大受益人很可能是政府。政府预算责任办公室(Office for Budget Responsibility)预测,英国政府的遗产税收入将持续增长,2017至2021年期间,遗产缴纳的税收总计将接近210亿英镑。英国家庭可以想方设法降低潜在的遗产税,但具体幅度在很大程度上取决于个人价值观、人生重点以及在全家基础上规划财务的能力。
Another key consideration is life expectancy. With rising life expectancy, many of us can expect to live into our 90s. This means that wealth transfer upon death is increasingly happening when the beneficiaries are in their 50s or 60s, unless wealth transfers have been made during lifetime. Most people are naturally unwilling to give away substantial amounts of their wealth in their lifetime, if they think they might need it to fund their own lifestyle needs.
另一个重要的考虑因素是预期寿命。随着预期寿命不断上升,我们中的很多人有望活到90多岁。这意味着,除了那些在生前发生的财富转移,随身故而发生的财富转移,将越来越多地发生在受益人50多岁甚至60多岁的时候。多数人自然不愿意在生前就放弃自己的很大一部分财富——如果他们认为可能需要这笔财富为自己的生活方式买单。
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