調查:美國嬰兒潮一代將不留遺產
Most young, wealthy Americans believe it's important to pass money on to their heirs. They may be disappointed to learn that their parents don't feel the same way.
大多數年輕富有的美國人認爲把財產傳給後代很重要。如果知道自己的父母並不這麼想，他們可能會感到失望。In an annual survey of the wealthy released on Monday by US Trust, a division of Bank of America Corp, three-quarters of wealthy adults under age 46 said it's a priority to leave money for their kids.
美國銀行的分支機構美國信託公司週一發佈的一項富人年度調查發現，46歲以下的富有的美國成人有四分之三表示會優先把錢留給自己的孩子。But just 55 percent of Baby Boomers - those age 47 to 66 - said they share that sentiment. In fact, one of every three surveyed said they'd rather leave money to charity than to their kids.
但是隻有55%的嬰兒潮一代（47歲到66歲人羣）表示他們也持有相同觀點。事實上，接受調查的嬰兒潮一代有三分之一稱他們寧願將錢捐給慈善機構，而不是留給孩子。
Their reasoning? Some said they believe that each generation should create its own wealth, while others said it's more important to invest in children's success while they are growing up, according to the survey of 642 individuals who have at least $3 million in investable assets.
他們的理由是什麼呢？據調查，一些人說他們認爲每代人都應該創造自己的財富，另一些人說在孩子成長時給孩子的成功做投資更爲重要。該調查涵蓋了642名富人，每個人至少有300萬美元的可投資資產。"Our survey points to a shift in generational behavior and outlook, most likely shaped by personal experience and societal responses to economic realities," said Keith Banks, president of US Trust.
美國信託公司的總裁基斯•邦克斯說：“我們的調查顯示出一代人在行爲和觀點上的轉變，很可能是個人經歷和社會對經濟現實的反應影響的結果。”Most of those surveyed don't even talk to their kids about money: just 37 percent said they've fully disclosed their net worth to their children. Those over age 67 said they weren't having this discussion because they were raised not to discuss money, while younger respondents said they didn't want to inhibit their kids' work ethic.
大多數被調查者甚至不和子女談錢：只有37%的人稱他們向子女透露了自己的全部淨資產額。那些67歲以上的人稱他們不和子女討論錢，因爲他們的父母也不和他們談錢。而較年輕的受訪者稱，他們不想妨礙對孩子職業道德的培養。A few other highlights from the study:
該研究的其他幾個亮點如下：Six in 10 wealthy parents are not fully confident their children will be well-prepared to handle an inheritance. Baby Boomers have the least degree of confidence.
十分之六的有錢父母對於孩子是否會較好地處理遺產不是很有信心。嬰兒潮一代在這方面最沒信心。Forty-two percent of Baby Boomers and 54 percent of those under age 46 are paying medical costs for their parents or other relatives.
42%的嬰兒潮一代和54%的46歲以下的受訪者爲父母或其他親戚支付醫療費用。Two-thirds of those surveyed have not made, nor do they have plans to make, a monetary gift to family members to reduce the size of their taxable estate before the end of 2012, when tax laws are expected to change.
儘管2012年底稅收法將會出現變動，但三分之二的被調查者還沒有制定也不打算制定在2012年底之前將財產贈與家人以減少應納稅資產的計劃。
