Rory McDaid：如何替家庭保留跨國生活的選擇？

0:00開場

0:00今天這個會場裡，都是非常善於超越國界思考的人。你們都是國際網路與全球社群的一員。但回到個人，有多少人能說自己 truly global？多少人仍只綁在一個國家？We're in a room today filled with individuals who very much epitomize thinking beyond borders. You're all part of an international network and a global community. But when we strip that back, how many of you, on an individual basis, can consider yourself to be truly global? How many of us are still linked to one individual country?

0:35一個國家給我們所有權利、所有通道，以及它可能帶來的好處。只有一個。我們在投資、財富、事業各方面都分散。One individual country that gives us all of our rights, all of our access, and any benefits that it may bring. Only one country. We diversify all aspects of our lives. We diversify our investments, our wealth, our businesses.

1:01我們分散所依賴的技術，也考慮風險分散與去中心化。但為什麼在為家庭未來做安排時，卻把這麼多押在一個司法管轄區？高度流動的家庭正在尋求「選擇權」策略。We diversify the technology that we rely on. We also consider risk mitigation and decentralization. However, why, when it comes to securing your family's future, do we put so much into one jurisdiction? Globally mobile families are seeking a strategy of optionality.

1:33選擇權的六大面向

1:33選擇權底下有六大類。家庭想能在多個司法管轄區生活，不同城市、國家、區域，那是真正的 mobility。想給孩子全球最好的學校。安全：動盪時代，若出問題，下一個落腳點在哪？And within that optionality, there are six categories. Families want to be able to live in multiple jurisdictions. They want to live in different cities, different countries, and different regions, and that's real mobility. They want to give their children access to the best schools globally. Security. We're living in volatile times. If something goes wrong, where can I go next?

2:02關於財富：怎麼在全球把資產結構放在最強的位置？從傳承角度，怎麼確保把機會留給下一代？Around wealth, how can I be in a position to structure my wealth globally, to put it in the strongest possible position? And from a legacy perspective, how can I ensure that I'm passing on opportunities to the next generation?

2:21要達成真正的選擇權，需要多司法管轄區策略，或我們所謂的主權投資組合。我想分享最近服務的一個家庭案例。To achieve real optionality, it takes a multi-jurisdictional strategy, or what we would refer to as a sovereign portfolio. I wanted to share an example of a client that we recently worked with in order to achieve this.

2:41首先透過 Global Investor Programme 取得新加坡永久居留，在新加坡的人都知道這帶來什麼，那是這個家庭的亞洲錨點。也取得 UAE Golden Visa，完整進入全球商業樞紐，以及海灣對這個家庭具戰略意義的區域。First of all, they obtained Singapore permanent residency through the Global Investor Programme. Everyone who's based in Singapore will know the benefits that that brings. And that was the real Asia anchor for that family. They also obtained a UAE Golden Visa, giving them full access to a global business hub and a strategically relevant region in the Gulf for the family.

3:14多司法管轄區案例

3:14傳承方面，奧地利公民身分，提供 premium 的 EU 公民層。最後以巴拿馬居留做地理分散。這不是隨機拼湊，每個司法管轄區在整體策略裡都有明確角色，確保彈性、選擇權，最終留給下一代充足機會。Then, when it comes to legacy, Austrian citizenship, providing a premium EU citizenship layer. And then finally, geographic diversification in the shape of Panamanian residency. This isn't a random collection of various options. These, each of these jurisdictions, are playing a very purposeful role in the overall strategy of that family, ensuring they have flexibility, optionality, and are ultimately leaving the next generation with plenty of opportunities.

3:57也想分享業務端觀察：客戶從哪來？人口統計上美國公民是第一大客群，占客戶基礎 30% 以上。2024 到 2025 美國客戶 onboarding 成長超過一倍。I also wanted to share some findings from the business side. Where are our clients coming from? Demographically, U.S. citizens are our number-one clients, accounting for more than 30% of our client base. Onboarding of U.S. citizens more than doubled from 2024 to 2025.

4:21India 仍是多數詢問來源。地理上成長特別有趣的是西歐，法國、德國政治、經濟、社會疑慮很多。法國曾辯論以公民身分課稅。德國以 exit tax 限制資金外流。India as a country is still where we get the majority of our inquiries coming from. In terms of growth areas geographically, Western Europe has been particularly interesting. A lot of political, economic, and social concerns in both France and Germany. France had a political debate about citizenship-based taxation. Germany putting restrictions around the flow of capital via exit taxes.

4:48規劃而非立即Relocation

4:48這些都是驅動因素與警鐘，促使高資產家庭確保有備案。UAE 當然，中東過去 12 個月動盪也推動人找替代方案。我要強調：這不是 relocation 策略。All of these are drivers and wake-up calls for high-net-worth families to ensure that they have options in place. The UAE, of course, all of the instability that we've seen in the Middle East over the past 12 months or so is resulting in a drive to look at alternative options. One thing that I do want to emphasize is that this is not a relocation strategy.

5:14家庭不是搭下一班飛機離開現居國。這是規劃策略，確保有選項、有據點，若情境需要 relocate 做得到。選項有哪些？這是我們能協助流程的約 40 國。Families aren't jumping on the next flight and leaving their current country of residence. It's very much a planning strategy, ensuring that they have options, they have bases, and if certain scenarios do arise where they do have to relocate, they're able to do that. You might ask, what are those options? These are the 40 or so countries in which we can help with the process.

5:40老實說每國利弊不同，不是套公式。第一階段跟家庭坐下，談需求、背景、家庭、計畫、為何考慮、長期目標，再訂符合客戶的策略。To be very honest, each country has its own pros and cons. This isn't a cookie-cutter approach. We sit down with families at the first stage. We discuss their requirements, their background, their family, their plans, why they're considering this, their long-term goals, and then we can put a strategy in place that meets the requirements of that client.

6:08謝謝各位，祝 conference 後段愉快。Thanks a lot, folks. Enjoy the rest of the conference.