Aunt Zhang, a retired teacher, and her husband, a retired factory worker, lost their only son in an accident five years ago.
The couple receives a combined monthly pension of 12,000 yuan.
They own one self-occupied property (valued at 5 million yuan) and financial assets totaling 2 million yuan.
They are concerned that as they age, medical and care expenses will surge and may not be covered by their pension alone.
With no children to care for them, they hope to move into a high-end senior care facility in the future.
They also want the use of their funds to be monitored by a third party to avoid fraud or misuse.
Aunt Zhang injected 1.5 million yuan of financial assets into the trust, excluding the property for now (reserved for emergency sale if needed).
The trust terms stipulate that starting at age 70, the couple will receive a monthly supplement of 8,000 yuan.
This supplement is to improve their quality of life or cover senior living facility expenses.
In case of major illness, they can apply for a one-time withdrawal of up to 500,000 yuan for medical expenses.
A community committee staff member is designated as the trust supervisor.
They will check the fund usage and the couple's living conditions every quarter.
If one party passes away, the remaining funds will continue to support the surviving partner.
After both have passed, the remaining assets will be donated to the community senior canteen.

By utilizing a family trust, a secure eldercare system is built for bereaved families.
Asset Independence: Trust funds are separate from the couple’s everyday accounts.
This avoids loss due to fraud or impulsive spending.
Professional Continuous Management: Trustees adjust disbursement amounts based on age stages.
This matches needs at different stages of aging and ensures funds are sustainable.
Legal Risk Isolation: A third-party supervisor is involved to ensure funds are used strictly for eldercare and medical purposes.
This protects the bereaved elderly’s property and ensures quality of life.

Ms. Li is a successful investor who has accumulated substantial wealth.
However, she realized that concentrating investments in a single market carries significant risks.
Fluctuations in the domestic economic environment and policy changes could impact asset returns.
At the same time, her children plan to study abroad and pursue careers in international markets.
Ms. Li wanted to prepare an overseas asset layout in advance for her children.
To achieve diversified asset allocation, mitigate risk, and meet her children’s future needs,
she decided to establish an Overseas Asset Allocation Trust.

Ms. Li injected RMB 15 million (approximately TWD 67.5 million) into the trust
and partnered with a trust institution that offers cross-border services.
The trust institution collaborated with international investment experts
to develop a global asset allocation plan based on Ms. Li’s risk preferences and investment goals.

The investment strategy spans multiple sectors and regions:
allocating to U.S. tech stocks and European blue-chip stocks in equity markets,
Japanese government bonds and emerging market bonds in the fixed income space.
It also includes overseas real estate investments,
such as purchasing premium property in Sydney, Australia,
and participating in commercial real estate projects in Southeast Asia.

The trust terms clearly require the trustee to provide regular reports
on asset allocation and investment performance,
and to adjust the portfolio flexibly based on changes in the global economic landscape.

Establishing a Family Trust to Diversify Investment Risk and Protect Wealth

By leveraging professional institutional resources,
the trust enables asset diversification across various asset classes, countries, and regions—
seizing global investment opportunities to the fullest.

With real-time portfolio adjustments made by the trustee in response to global economic and market trends,
the trust ensures rational asset allocation and sustained returns.

Ms. Jiang, 40 years old, had been working for many years before getting married.
She had accumulated a certain amount of wealth, including RMB 300,000 in savings, a car worth RMB 200,000, and a property she purchased before marriage (valued at RMB 1,000,000).
Although she had a good relationship with her fiancé, she was mindful of the potential financial risks within a marriage.
She was particularly concerned that her premarital assets could become commingled with marital property, leading to uncertainty over asset ownership.
To protect her premarital wealth, Ms. Jiang decided to establish a Prenuptial Asset Protection Trust.

Ms. Jiang signed an agreement with a trust institution,
transferring her premarital savings, car, and property into the trust.
The trust terms clearly stated that the trust assets and all related income would remain solely under Ms. Jiang’s ownership,
strictly separated from any marital or joint property.
During the marriage, Ms. Jiang retained full control and beneficial rights over the trust assets.
The trustee would manage and operate the assets according to Ms. Jiang’s instructions.
In the event of changes in the marital relationship, the trust assets would be handled according to the agreed terms,
ensuring her premarital assets would not be subject to division.
By using a Family Trust, she effectively shielded her assets from potential marital impact.

Using a Prenuptial Asset Protection Trust to Isolate and Secure Wealth

Through the establishment of a Prenuptial Asset Protection Trust,
Ms. Jiang successfully separated her premarital assets from post-marital joint property,
avoiding disputes over ownership during the marriage.

Even if the marriage encounters future challenges,
her premarital assets will remain fully protected,
safeguarding her personal wealth
and providing her with a greater sense of security within the marriage.