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The Community Foundation of Singapore to lead legacy giving initiative
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News

The Community Foundation of Singapore to lead legacy giving initiative

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John Doe
An Asian family enjoying quality time together, sitting on the lush green grass in a serene park setting.

The Community Foundation of Singapore (CFS) will be leading the legacy giving initiative and partnering with key stakeholders to grow the giving culture in Singapore.

As Singapore’s only community foundation, CFS is fortunate to build on over 11 years of experience, to bring donors, charities and other stakeholders together. Donors have already trusted CFS with over $160 million in donations. More than one-third of these are legacy gifts, which are used to support causes across different sectors, including health, education, research, arts, social and welfare services.

The three-year initiative, which will be launched in the latter half of 2020, aims to reach out to three audiences: donors, professional advisors and charities.

Legacy is a broad concept. Legacy gifts refer to planned, future donations. This could include cash, marketable securities, insurance policies, CPF monies and marketable assets such as real estate. Legacy gifts are far more than planned donations from a person’s assets after death. They can mark important moments in life and honour the memory and achievements of a loved one. Anyone can make a legacy gift.

Donors interested in making legacy gifts today want more knowledge to make informed choices and accountability for their gifts. CFS will address these needs by promoting awareness, building and sharing knowledge and supporting action. CFS will provide choices and trusted advice to make gifts meaningful and impactful for future generations.

We will also reach out to professional advisors on ways and tools to help their clients structure their giving. CFS will help charities tap into legacy giving to enable sustainability and augment service delivery to their beneficiaries.

“We look forward to working with partners to co-create the future and strengthen our culture of care. Together, we can dream of a future where thinking about one’s legacy and discussing planned gifts in everyday conversations are no longer the exception, but part and parcel of our giving culture,” said Catherine Loh, CEO of CFS.

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The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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Events

CFS Philanthropy Forum 2019: Looking to the future of community philanthropy

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John Doe
A diverse crowd attentively observes a conference presentation, engrossed in the speaker's discourse.

At the CFS Philanthropy Forum 2019 held on 18 March, over 100 guests – including donors, charities and partners – gathered to hear from leaders and experts on what lies ahead for community philanthropy.

Headlining the evening was keynote speaker Eileen Heisman, President and CEO of National Philanthropic Trust (NPT), the largest independent donor advised fund (DAF) administrator in the United States. In her dynamic speech, Eileen – a founding member of CFS’s international advisory committee – shared NPT’s amazing journey to raising more than US$13 billion in charitable contributions, and encouraged all in attendance to rise to the challenge of taking local philanthropy to new heights.

Following her speech, Eileen was joined by Dr June Lee, Honorary Research Fellow, Asia Centre for Social Entrepreneurship & Philanthropy (ACSEP) at the National University of Singapore, and moderator Laurence Lien, Chairman of CFS, in an engaging panel discussion on how DAFs enable smarter, better giving by helping donors give more thought to the purpose of their charitable dollars.

Referring to how DAFs are gaining rising interest in Asia, Eileen commented, “A lot of people have chosen donor advised funds because they want something that’s easy, turnkey, relatively inexpensive and can be adapted to changing interests. Donors have many different types of philanthropic goals, so with a DAF, they can shape the fund according to their preferences and they can change their giving focuses over time.”

June noted DAFs offered specific advantages for families looking to give. “In a recent research paper published by ACSEP, we found that one of the biggest question families ask is ‘how do we engage family members in our giving?’” Setting up a DAF allows a founder to set aside funds for philanthropy without burdening his or her children financially, she adds, while also allowing flexibility down the line when a founder’s children wish to pursue to a different charitable cause from their parents.

Remarking on the opportunities ahead for community philanthropy, Eileen cited the growth of two major trends: micro donor advised funds targeting millennials, and new services enabling direct payroll deductions into donor advised funds. “These trends will change the face of donor advised funds as we go forward,” she said.

She challenged CFS to tap on these wider trends to expand its offerings, “As someone who’s very much invested in CFS’s success, I would like to see CFS be creative and thoughtful about expanding the horizon for donors and the community of Singapore to express their philanthropy in different and new ways.”

In his closing remarks, Laurence commented, “It’s clear DAFs are a trend that can’t be turned back. DAFs are there for us to use, to promote, and the only direction is up.”

The evening ended on a poignant note as CFS announced the handover of its chairmanship from Laurence to Christine Ong who takes over as Chairman on 1 April.

Indeed, CFS has come full circle and we are so grateful for the guidance, trust and support we have received over the last decade.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

News

The Straits Times – Volunteerism rate needs to be 70 per cent with ageing population: Grace Fu

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John Doe
A room of elderly people doing head exercises

In an effort to create a caring and empowering environment for its rapidly ageing population, Singapore hopes to double its volunteerism rate from one in three currently to 70 per cent in five years’ time.

“We hope for Singapore to grow as a giving nation with a volunteer in every household,” Minister for Culture, Community and Youth Grace Fu said in a keynote address on Tuesday (June 5) at the Asian Venture Philanthropy Network’s (AVPN) conference.

“We believe technology can empower and enable citizens to do good by providing time, money and resources to meet the needs of their neighbours and build stronger social bonds,” she added.

The conference at Suntec Singapore, which began on Monday, is the largest gathering of social investors in Asia, bringing together 1,000 delegates from 40 countries to address critical issues related to climate action, education and wealth disparity, among other things.

In her speech, Ms Fu noted the challenge faced by many countries: “In the face of technological advances that disrupt our businesses, our jobs, the way we communicate with one another; in the face of an ageing population that will change the societal structure and dramatically increase the need for social services; in the face of globalisation that may result in uneven economic progress for segments of society; our challenge is to activate and strengthen the social compact in the face of increasing social and technological divides.”

To that end, the National Volunteer and Philanthropy Centre’s (NVPC) Giving.SG portal has grown over the past few years to more than 150,000 members who use the platform to find opportunities to volunteer and make donations.

More than S$100 million has been directed to charities through the portal, with over S$50 million distributed in the past 2½ years alone.

She said collaboration across the private and public sectors is key to achieving impact in the social sector.

“Corporations could step up and partner government and non-profit organisations to do more for the community. Recognising that there are important stakeholders other than shareholders, corporations should place social responsibility clearly as part of their score card.”

“Business leaders should move beyond conducting ad hoc, one-off sponsorship or events to incorporating sustained giving programmes as an integral part of their corporate strategy and identity. Companies benefit from the shared public assets of the societies in which they operate and should therefore in return deliver benefit to all these constituencies,” Ms Fu added.

She said social enterprises can play a critical role to achieve inclusive growth.

She said: “Social enterprises play an integral role in the ecosystem, by achieving social impact in an economically sustainable way. They bridge the people and private sectors, and deliver on both purpose and profit.

“Corporates can help grow the capacity of this important sector, by providing strategic counsel and business mentorship to social entrepreneurs.”

The NVPC and the Community Foundation of Singapore recently started Colabs, an initiative that brings together the public, private and social sectors to tackle complex social issues together at the same forum.

It provides a platform for philanthropists, businesses, foundations, non-profits and sector experts to focus on co-creating solutions for specific social needs.

The first Colabs series on children and youth catalysed two foundations, a multinational company and local non-profits to form a collective venture to help disadvantaged youth transit from school life to work life, with an initial pledge of more than $500,000.

Ms Fu said: “It is a targeted phase in youth and education, which needs very targeted outcomes to plug gaps, that sometimes impact the effectiveness of our programmes.

“So we know that there is a gap, the gap needs more than just financial resources; you will need expertise, networks and opportunities and that’s where the collaboration of various sectors make impactful interventions.

“Two other areas are also being explored – one on the engagement and employment of persons with disabilities; and another on seniors.”

By bringing resources and expertise together, the platform allows for better coordination, clearer focus and customised solutions that the beneficiaries require, she added. Read more.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Opinion

Speech by Grace Fu, Minister for Culture, Community and Youth at CFS’s 10th anniversary celebrations: Working together to build a caring Singapore

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John Doe
Grace Fu delivering speech at podium to audience.

Mr Laurence Lien, Chairman, Community Foundation of Singapore
Ms Catherine Loh, CEO, Community Foundation of Singapore
Distinguished Guests
Ladies and Gentlemen

It is indeed my great pleasure to be here today. First, I would like to congratulate the Community Foundation of Singapore (CFS) on its 10th anniversary. Throughout the past decade, CFS has done excellent work in raising funds and giving out grants, as well as in inspiring and enabling giving in Singapore. This is in no small part due to the generosity and hard work of staff, donors and partners. I’d like to express my gratitude and to commend all of you for your contributions. CFS was first started during the tumultuous period after the global financial crisis, and conversations about donations must have been difficult. Nevertheless, under the stewardship of Laurence, Catherine and Stanley, CFS has really grown over the years. Once again, thank you so much!

Philanthropy has played an important role in Singapore’s history
Philanthropy has always played an important role in the history and development of Singapore. In fact, records of philanthropy in Singapore go back to as early as the 1800s when immigrants came to this country in search of opportunities. Notable philanthropists such as Lim Nee Soon, Tan Kah Kee, Syed Mohamed Alsagoff and Govindasamy Pillai have responded to the needs of their times. These are early pioneers who have very selflessly and generously helped their communities. They helped to build up Singapore in the pre-war years, rebuild it in the post-war years, and worked alongside the government to develop our infrastructure after independence.

Today, it is just as crucial to build a culture of care and contribution. We live in an increasingly complex and dynamic environment. In many developed countries, socio-economic challenges have bred distrust and grown uncertainty. Terrorism continues to be a global threat. Within our region, exclusivist trends are rising, and societies are becoming increasingly polarised. At the same time, technology is disrupting nearly everything, from industries and jobs, to the way we live, to the way we do business and interact with one another, to our social hierarchy. Singapore is not immune to such threats and challenges, especially when we are so diverse as a people. So when we care and look out for one another, when we have that relationship that is beyond the transactional but instead comes from within the heart and is genuine, we will be better equipped to stand together in times of crisis.

Government support for philanthropy
There is already a strong support infrastructure for philanthropy to thrive. The Government gives tax deductions for donations to charities. There are matched-funding initiatives that have spurred more giving by individuals and corporates; for example, MCCY’s Cultural Matching Fund which supports giving to arts and culture, and the One Team Singapore Fund, which supports high performance sport.

The Government is also committed to developing a well-governed and thriving charity sector, with strong public support. In January this year, the Parliament passed the Charities (Amendment) Bill, which seeks to strengthen governance of fund-raising in response to trends in charitable giving.

As Singapore’s only community foundation, CFS plays an important role as a bridge between local communities and the larger charitable ecosystem. Beyond just encouraging cheque-book donations, CFS has connected donors with organisations that support their cause. For example, 71-year-old Mr Govind Bommi felt an affinity for the eldercare sector. Through CFS, he was connected with Metta Day Rehabilitation Centre, which provides rehabilitative care for elderly beneficiaries from all races and backgrounds. He then set up a fund to support the Centre, and continues to volunteer there today.

Closing gap between aspiration and participation
But there is more we can do for Singapore to be a more caring society. The Individual Giving Survey conducted by the National Volunteer & Philanthropy Centre (NVPC) showed that although the total donation amount to organisations has grown over the years, the overall rate of donation* has declined, with 3 in 4 donating in 2016, compared to 9 in 10 a decade ago. However, among the non-donors, 1 in 3 said they are likely to donate in future. Similarly, in the volunteering space, there is high propensity among non-volunteers to volunteer in future.

We want to close this gap between aspiration and participation, and unite Singaporeans through a common culture of care. This is the basis for SG Cares, a national movement for us to better support one another in making Singapore a caring society through giving, through volunteering, and through acts of kindness. By bringing together partners across the people and private sectors, SG Cares enables the building of capabilities across organisations to grow opportunities for contribution. SG Cares also better equips individuals and organisations who want to give back, and connects them with suitable opportunities to do so. So it’s very much an encouragement and a call to action. But more importantly, it’s about building the infrastructure, platforms, connections and capabilities within the sector.

The work at CFS contributes to SG Cares, because an impactful philanthropy landscape is a hallmark of a caring society, where those with resources give back effectively to help those in need. Collaboration is the way to go, and donors today are taking more initiative, and seeking more meaningful engagement opportunities. CFS is well positioned to seize these opportunities and provide the platforms. For example, the Colabs series by CFS and NVPC brings together givers, non-profits and sector experts to build insights and co-create solutions together. This not only encourages more collective efforts that deliver impact, but also deepens the knowledge base to guide donors to areas of needs. It also improves the design of programmes and how volunteers are involved, to better serve the community.

Caring involves all of us
The making of a caring Singapore involves and requires all of us – the government, non-profit sector, businesses and individuals – to work together to find solutions and demonstrate care and compassion for our community. With this shared sense of responsibility, we stand a better chance in riding out the waves of global uncertainty and disruption. By caring for one another, we foster resilient communities that stand together in both good and bad times.

To conclude, I would like to leave you with the words of Winston Churchill: “We make a living by what we get, but we make a life by what we give.”

Once again, congratulations to CFS on your 10th anniversary! And once again, thank you for your contributions and I hope you will continue to inspire others with your efforts and actions. I’m sure there will be greater capacity for CFS to grow. Thank you.

Grace Fu
Minister for Community, Culture and Youth

*Through both formal and informal means.

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The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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News

“最后一桶金”规划新现象 别让财富添乱使尽不留遗产

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John Doe
a person in a wheelchair throwing coins into a bag of money

这些年来越来越多人把部分遗产捐给慈善,甚至出现鼓吹“现在就花掉孩子遗产”的SKIN(Spend Your Kids’ Inheritance Now的缩略语)“使尽”现象。

世界首富之一比尔·盖茨多次承诺,把1130亿美元(约1595亿新元)财产几乎全捐给慈善,三个孩子各获1000万美元;他坚信留大笔钱给孩子绝对不是好事。

沃伦·巴菲特则宣布,一分也不留给三个孩子,会捐出所有给慈善。

本期《实况报道》请擅长信托和遗产事务的律师、法学教授和老年学学者谈SKIN“使尽”现象,并访问退休人士,了解不准备留太多给孩子的原因。

“不要留太多给孩子”的趋势渐长,有越来越多找律师办理遗嘱或信托事务的人,把部分遗产捐给慈善,或自设信托,以便更好地管理所支持的慈善事业。

两名擅长处理信托和遗产事务的资深律师告诉《联合早报》,积极行善的客户越来越多,一些甚至已定期捐钱给慈善机构,而不是等到过世后才这么做。

王律师事务所(WongPartnership LLP)专业人士及私人客户争议业务组负责人沈木英律师说,不论是用在自己身上、当礼物送给孩子或至爱,或是捐给慈善机构,财富在一个人还活着时是最有价值的。

“有的施予者享受从金钱得到的快乐,比如孩子或慈善机构向他表达感激之情,或通过捐钱做了好事而乐在其中。

“从这个角度,我可以明白为何一些人想在有生之年花光一切。”

她就见过一分钱也不给孩子的父母,有的因为跟孩子的关系恶劣,有的则因孩子挥金如土。相反的,也有继承遗产者积极行善,打算捐出大部分遗产。

福鼎律师事务所(Fortis Law Corporation)创办人陈子佳律师说,把遗产留给孩子是根深蒂固的传统价值观,但“花光”个人财产的做法也有益处。

他指出,父母留遗产给孩子理由很多,比如,在孩子成长期间常“缺席”,所以用遗赠示爱或表达愧疚。

有的因孩子是特需者,就用遗产设立信托,让孩子在他们离世后生活有照应。

“不论什么原因,孩子可能真的需要帮助,而留遗产给孩子的做法本身就能教导孩子施予的价值。”

沈木英说,虽然有客户认为孩子有一半的可能性会乱花遗产,但也有客户认为给孩子一笔钱,将有助于孩子取得成功。

 

设立慈善基金更好掌控财富

她指出,多数客户“守住”财富,是为孩子所需。一旦满足了孩子的需求,他们便会开始捐出行善。

不过,她留意到捐献者更有主动权,“与其直接捐钱给慈善机构,更多客户设立自己的慈善基金,以便更好掌控”。

她的一个客户选择帮某慈善机构设立医疗设施,再给予资助,而不是直接捐钱。

一些则每年把资产或生意赚取的部分收入捐给慈善,另一些把部分资产纳入慈善信托或基金,为慈善机构创造收入。

“还有一些给每个孩子一份财产,也给一份做慈善。也有客户设条件,要孩子先捐出所得遗产的10%,才能继承剩余的90%。”

沈木英指出,微软创办人比尔·盖茨累积的财富是子孙享用不尽的,所以设立慈善基金。但一般打工族以养家育儿为己任,慈善可能不是第一选项。

“事实是,越没钱的人,越要孩子过得比他们好,所以想方设法留下资产,但我认为帮孩子,不该凌驾于自己的需求和生活享受之上。”

陈子佳也认为,必须在SKIN和留遗产之间,取得平衡。

“我已立好遗嘱,也制定了持久授权书(LPA)。我确保自己有足够资源办好三件事:应付医药和退休开销,以及清还所有贷款和债务。”

 

孩子主动要求不要遗产

这些年来,陈子佳看到不少客户定期捐钱给慈善机构,有的甚至把遗产全捐给慈善。有些是因为他们的孩子能自给自足、明理和善良,叫父母留给较不幸者。

“我看到许多孩子,坚持父母不要列他们为受益人,把遗产转给有需要者或其他家庭成员,我就是其中一个。”

陈子佳坦言,他叫母亲把遗产留给兄弟姐妹、侄甥和慈善,“我希望以后我的孩子,也叫我不要列他们为遗产受益人”。

他感激父亲给他最好的教育:“做人要舍得。大舍大得,小舍小得,不舍不得。”

 

个案① :防子女争财产 卖掉大洋房

为了避免留下房子惹“后患”,七旬退休专业人士数年前毅然卖掉住了几十年的大洋房,搬到市区公寓,口袋满满地与老伴安享晚年。

问有三个子女的林大悟(化名),这样做难道不心痛不可惜?难道没想过把洋房留给其中一个孩子?

他语重心长说道,屋子太旧了,修理或重建都得花钱,租出去的话,租户不一定会爱惜房子,有问题也会来烦你。

“留的话,留给哪一个孩子?大家一定有不同意见。继承的人也未必喜欢屋子和地点,还是卖了干脆。我虽然知道房价以后会涨,但留下也有后患,除非你只有一个孩子。”

林大悟说,把财富传给下一代的传统观念是时候该调整了,但也不是改变一切,一分钱都不给儿孙。

他认为,给孩子的最佳礼物就是按他们的能力,让他们接受最好的教育,在有生之年尽可能帮助孩子,使他们可以自立、自组家庭,过安定的日子。

“给他们过多遗产,他们不会知道那些是你一辈子省吃俭用积攒而来的。钱到了他们手上变成零用钱,一下子就花光了,有时还嫌不够。”

“老年人必须确保能经济自立。钱在你口袋,总比在别人口袋好。你的辛苦钱一天不用,不花在自己身上,都还不是你的。但这么说也不是鼓励你挥霍乱花。”

他也说,儿女在事业和家庭起步阶段都须要帮助,但每个的情况不同,不要顾虑分配公平与否。

“最好孩子不需要你帮太久。他们有本事的话,其实不需要你,没本事,你即使有大把钱,也会惹争端。”

他感叹,有的父母尚在,手足之间就为了争夺资产而闹上公堂。“沒教好啊。父母尚未去世已经如此,不敢想象两老不在后,会搞出什么乱象。”

他眼看一些已故名人的孩子对簿公堂,“家家有本难念的经啊!身居高位的他们已是如此,平民百姓如我更不用说了。”

他指出,自己的孩子即使多好多孝顺,他们的伴侶却是未知数,“许多纷争都由此而起,因为他们对你这个长辈以及其他家庭成员的感情不同,到头来是利字当道。”

林大悟已立了遗嘱并制订LPA。“遗嘱和LPA直接了当,我俩其中一个有事,动产与不动产全交给还在的那一个,不会牵涉下一代。”

他说:“新加坡应该有中高档次、包伙食和提供医疗等服务的退休村,让付得起的老人有私人的服务式住所。”

林大悟的许多海外老年朋友就是这样卖了大房子,把钱用在退休村,有尊严地享受剩余岁月。

林大悟最后再三提醒,每个家庭的情况都不同,关键是老年人要有经济自由。

“不要太早分家产,也不要让他们知道将得到什么。如果孩子一直要钱,不断争吵,就索性捐给可以信任的慈善机构。”

 

个案② :多年沟通与磨合 父母终于安心“花钱”享乐

多年打拼后累积可观财富,年长父母想为儿女规划财产安排未来,但儿女更希望父母专注当下享受生活。两代人为彼此着想却一度引起不愉快,但如今达成共识,老两口放心“花钱”,晚年活出精彩和意义。

陈丽丝(化名,29岁,项目经理)的父母40多年前顶下红山一家小店铺,从小买卖一步步发展。随着公司规模越来越大,陈家的经济条件越来越好,21年前搬入了荷兰村一带的独立式洋房。

“父母特别疼爱我们四个孩子,花钱毫不吝啬。但我们从小目睹父母打拼的精神,也立志像他们一样,努力自力更生。”

陈丽丝说,大哥10年前结婚时打头阵,对想要为新人买房的父母说,以后都不会拿爸妈的钱。兄妹四人借机向父母提出,希望他们能够提早退休,去享受晚年生活。

“记得当时父母的反应很激烈,还问是不是觉得他们老了没能力赚钱养家,让我们哭笑不得。”

对陈丽丝和哥哥来说,父母从小的疼爱、付出和栽培才是最宝贵的财富,再多的遗产也不及看到父母在有生之年开心重要。

经过多年的沟通和磨合,如今年近70的父母终于完全理解儿女的立场,也就遗产事宜达成了共识。

父母在疫情暴发时退休,积极投身义工和慈善。随着边境开放,两人开始出国旅行,尝试年轻时没能享受的体验。

“我们告诉父母,他们最好把所有的钱都花完,不留任何遗憾。他们看到我们事业和生活都有足够保障,也就放心让我们自理。”

妥善安排遗产 儿女父母须坦诚沟通

老年学和信托专家认为,遗产或许不是越多越好,但究竟多少才“合适”、剩余的如何安排,还须要父母和儿女坦诚开放的沟通。

新加坡管理大学法学院教授陈汉吾说,多数新加坡人都要留遗产给孩子,希望子孙过得比上一代好。《回教法执行法令》就规定三分之二遗产须留给包括孩子的受益人。

针对SKIN的趋势,他认为,老练、超高净值者认为,留太多钱给孩子不是祝福而是祸害,“要达到目标努力奋斗,太多钱反而成了障碍,也会一直怀疑人们接近他们是为了钱”。

新加坡新跃社科大学副教授(老年学课程)和体验式教育中心高级专家马学嘉博士说,多数普通收入的家长担心留给孩子太少,因此可能省吃俭用,努力存钱给孩子,给他们带来更多金钱保障。

不过,遗产积累越多,越影响父母的生活质量。

她解释,这种心态和行为源自传统的集体主义(collectivism)价值观。不论是几十人的大家庭或是仅有四五人的核心家庭,成员之间都会考虑共同利益,必要时更是准备牺牲自我利益。

随着我国社会的变迁,家庭结构有所改变,有年轻一代选择单身,即使结婚,也可能计划只养“毛孩”(意宠物)、不要儿女。他们的日常开销因此可能更少,不大需要额外的金钱贴补生活。

马学嘉说,与其父母省吃俭用、拮据度日,相信孩子更乐意看到他们安享晚年,“父母和孩子两代人的观念不同,须要坦诚开放地沟通”。

生老病死是人之常情,但人们或因恐惧而忌讳讨论,孩子该如何开口与父母讨论遗产事宜?

马学嘉强调,每个家庭有个别的相处模式,但最重要的是以父母的意愿为中心。

她分享自己做义工的经验说,一些老人家对立遗嘱所需的程序和考量不了解,儿女就说教似地告诉父母该怎么做,附加自己对遗产的设想和要求,没考虑父母想要怎么安排。

“作为儿女,我们应该帮助父母了解过程,并尊重他们的意愿,在需要时帮助他们完成。”

陈汉吾是新加坡社区基金会(The Community Foundation of Singapore)捐献者指示委员会(Donor Advised Committee)成员,也为本地慈善组织提供咨询。

他说,一些富人觉得生活在危机重重、极度不平等的世界,所以希望捐一些遗产,改善贫困甚至气候问题。

“年轻一代对留遗产给慈善事业相当正面。这一代非常热衷于一些事项,例如气候改变。”

但陈汉吾认为,为慈善捐赠财产不仅是有钱人的专利。儿女如果有一定能力,以父母的名义给学校或大学捐钱设立奖项,也很有意义。“用大概5万元设个奖项,可以纪念死者多年。”

他指出,早前的殖民时期,英国政府没提供足够的社会服务,只能靠社群自发提供援助。

本地著名的华人慈善家就有陈笃生、陈嘉庚、陈六使和李光前,陈汉吾说:“从殖民时期,慈善早就成为新加坡DNA的一部分。”

信用:联合早报©新报业媒体有限公司。复制需要许可

This article was originally published in Zaobao here. Source: Zaobao © SPH Media Limited. Permission required for reproduction.

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