【Study Abroad Living Trust: A Guardian for the Journey Ahead】

Ms. Zhou’s daughter was recently admitted to a top university in the United States.
However, cross-border capital controls (a US$50,000 annual remittance limit per individual) and her daughter’s lack of financial management experience posed a dual challenge.

To address this, Ms. Zhou injected RMB 5 million in liquid financial assets into a trust.
A licensed cross-border trustee established a dedicated account,
automatically disbursing US$10,000 per month to her daughter’s overseas account to cover basic living expenses.

An additional US$500,000 was reserved as an emergency fund,
accessible only upon written confirmation from the guardian for medical, legal, or other special circumstances.

An academic incentive clause was also set up:
if the daughter maintains a GPA of 3.5 or above,
she may apply for an additional US$20,000 in travel funding each year.

Upon graduation and return to China, the remaining trust funds will be converted into a three-stage entrepreneurial grant,
with a maximum of RMB 1.5 million per stage.

This structure covers essential expenses during the study period,
while also fostering financial responsibility through reward mechanisms,
and avoids the legal risks of splitting remittances.

By leveraging a family trust, the arrangement provides targeted cross-border financial support.
Risk control meets motivation: guaranteed living expenses plus academic incentives both curb reckless spending and encourage excellence.
Compliant funding channel: the trustee’s cross-border license legally resolves the challenges of outbound educational remittances.