The undisclosed wealth mentality of high asset customer groups

        The current market is so volatile, will buying stocks be trapped? "" Putting money in fixed deposits, where interest rates cannot keep up with inflation, isn't it just a waste of time? "These two questions are common concerns for many investors, but they are not unsolvable. This issue of" Finance Column "will take you to find the right way to manage your finances.

        1、 Re understanding risk: volatility is the noise of investment, permanent losses are the real danger

                Many investors view 'stock price fluctuations' as the entirety of risk, unaware that short-term price fluctuations are merely a thermometer of market sentiment, reflecting fear and greed rather than the true profitability of the enterprise. The real investment risk lies in the "permanent destruction" of the intrinsic value of the enterprise - such as the bankruptcy of the enterprise, the elimination of the industry, or investors blindly rushing out at low points due to panic, resulting in permanent loss of principal.

        If we only do fixed deposits, although the numbers on the books are stable, there is an invisible enemy behind it: inflation. If the annual inflation rate remains above 2% for a long time and the fixed deposit rate is lower than this number, then assets that seem to be "saved" will quietly lose their actual purchasing power every year, which is a more difficult to detect and recover loss.

        Therefore, the first lesson in financial management is to learn to coexist with volatility. Many people mistakenly believe that wealthy people are usually more willing to take risks, but in fact, most of the high asset groups that bank wealth management teams come into contact with are most concerned about the quality of their assets. In other words, holding high-quality assets for the long term and implementing disciplined operations with a system to generate compound interest can give them more confidence to stay put during market fluctuations and create greater wealth at the right time.

        2、 The more money, the more worries: the advanced challenge for high asset customers

        When investors establish the correct risk concept, achieve stable asset growth through long-term discipline, and even reach the wealth scale of a business owner, they will find that the goal of wealth management is no longer just "pursuing this year's investment rate", but "how can the hard-earned wealth be fully passed on to the next generation

        The assets of high asset customer groups are dispersed among equity, real estate, overseas accounts, and corporate shares; The inheritance issue involves a huge trial calculation of inheritance tax and gift tax; If there is no clear separation between business risks and personal property, once the company encounters debt disputes, family assets may be affected; If there is no sound governance structure for succession arrangements, internal family disputes are often more damaging than external markets... In order to deal with the overwhelming challenges, "family offices" have emerged.

        3、 Family Office: The 'Exclusive Wealth Headquarters' for High Asset Families

        The concept of a family office originated in Europe and America. It is a private wealth management institution jointly established by families, providing comprehensive services such as wealth inheritance, tax planning, asset management, family affairs, and risk management for family businesses and members with large assets. It can be regarded as the closest professional core staff to family members. The most famous case in modern times is John D. Rockefeller, the American oil magnate, who established the world's first "Single Family Office" (SFO) in 1882 to manage assets that were incredibly wealthy. To this day, even though the family has gone through seven generations, their assets remain strong and unyielding.

        If we compare general bank wealth management services to "going to a clinic to see a doctor, where you feel uncomfortable, choose which department", then a family office is like a "private medical team" tailored for the family, with financial experts, tax lawyers, accountants, and land managers each performing their duties, actively guarding the financial health of the family in all aspects.

        According to the service type, family offices are mainly divided into two types: "Single Family Office (SFO)" (dedicated to serving a single family, with assets typically exceeding billions of yuan); Multi family office (MFO) "(multiple high asset families share cross domain expert resources to reduce costs and have relatively low entry barriers).

        Mature family offices typically include the following core services:

        1. Full asset inventory: Clarify the true net worth behind the book figures to develop the correct strategy. For example, real estate with a book value of NTD 1 billion may actually reach NTD 3 billion after market valuation.

        2. Financial firewall: Through legal tools such as family trusts and locked in companies, corporate risks are clearly isolated from personal assets to ensure wealth security.

        3. Tax source reservation and inheritance planning: Arrange legacy tax sources and annual gift plans in advance to ensure that wealth can be passed down and preserved.

        4. Equity governance and succession arrangements: Assist in establishing a Family Charter and decision-making mechanism to ensure stability of the enterprise during generational succession.

        4、 Far Eastern International Bank Family Office: "3W" Comprehensive Protection

        According to the latest statistics from the Financial Supervisory Commission, as of the end of April 2026, the number of high asset clients in Taiwan has exceeded 24200, and the asset management scale (AUM) has exceeded NTD 2552.3 billion, indicating that the demand for wealth inheritance is rapidly increasing. Faced with this wave, Far Eastern International Bank has proactively launched a family office integration service and proposed a unique "3W" brand vision:

        1. Wealth: Your 'All Asset Inheritance Planner'

        Far Eastern International Bank brings together experienced client managers, lawyers, accountants, land managers, and trust experts to provide one-stop integrated services ranging from comprehensive asset inventory, cross-border and cross generational financial firewall construction, to complex equity structure and legacy tax planning, ensuring that your hard-earned wealth can be steadily extended to the next generation.

        2. Well being happiness: beyond wealth, live a fulfilling life

        Business owners spend their entire lives accumulating wealth, but often overlook the quality of life. Far Eastern International Bank closely integrates family office services with its long-standing brand concept of "Far Eastern International Bank's Ten Delights". In addition to wealth management products, it also plans diverse activities such as art, culture, aesthetics, and taste experiences, allowing you to have ample time to share the most precious moments with your family.

        Welfare welfare: making wealth a driving force for society

        When Fu Da Transport Corporation reaches a certain scale, the deepest desire of many customers is no longer just to "leave it to future generations", but to "give back to society". Far Eastern International Bank has established a charitable trust platform to assist clients in institutionalizing altruism and turning wealth into a social impact that spans generations.

        5、 Wealth management is a generational relay race

        From grassroots employees with regular monthly quotas to business owners with full asset inheritance arrangements, despite differences in asset size, the core logic of wealth management remains consistent: finding the right direction, selecting the right tools, and trusting expertise are the key to enabling each generation after a hundred years to continue moving forward on the foundation you have laid.

        ※ Note: Investment always carries risks, and fund subscriptions can result in profits and losses. Before subscribing, it is necessary to carefully read the prospectus.

        *Image source: freepik

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