Taking the pulse nationwide of the rich with $3 million or more in assets a survey by US Trust released by Bank of America found that "surprisingly few of those surveyed have well-developed plans to preserve and pass on their assets to either their children or charity."
Many of the 457 people surveyed are Baby Boomers and are self-made, first-generation rich and have "a distinct generational mindset."
Fifty-two percent of parents surveyed have not
fully1 disclosed their wealth to their children, and 15 percent have disclosed nothing about the family wealth。
One in three parents said they had never thought to do it, while 24 percent said they feared their children would become lazy。
Twenty percent said they would make poor decisions or
squander2 money, and 13 percent worried other people would take advantage of their children。
Only 34 percent strongly agreed that their children will be able to handle any inheritance they plan to leave them。
"There is an expectation about the wealthy that they have an
implicit3, sacred responsibility to pass down their fortune to the next generation, and this understanding has shaped expectations about the coming wave of intergenerational wealth transfer," said Sallie Krawcheck, president of Bank of America Global Wealth and Investment Management。
"Our research, however, uncovered a distinct generational mindset that reflects changing views about what
retirement4 means and an evolving sense of what one generation owes the next."
本周二公布的最新调查显示，多数美国富豪并未把全部身家告诉孩子。
美国银行发布的调查显示，财产在300万美元以上的美国富翁中，“对存钱传给子女或捐赠给慈善机构有完善计划的人，少得出奇。”这项调查由美国信托公司开展。
在参与调查的457人当中，许多都是“婴儿潮一代”，而且是白手起家的“富一代”，有“颇具时代特征的独特心态”。
52%的受访者并未毫无保留地告知子女自己有多少财产，另有15%完全不透露。
1/3的父母称，他们从没想过要告诉孩子家底，另有24%的受访者担心孩子知道后会变懒。
20%的父母称，孩子会因此会做出糟糕的决定或者乱花钱，也有13%担心其他人会因此占孩子的便宜。
只有34%的受访父母有十足的把握认为孩子有能力处理他们打算遗赠的财产。
美国银行全球财产投资部门总裁萨利?克罗切说：“把财产遗赠给下一代似乎是责无旁贷的神圣职责，这一想法也使人们预计今后将出现遗赠财产潮。”
“但我们的调查发现了具有时代特征的独特的思维方式，反映出人们对退休的看法有所改变，对父母应该给孩子什么也有了新的认识。”
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