【Retirement Protection Trust】

Ms. Yang’s Retirement Protection Trust

Before retirement, Ms. Yang was a senior corporate executive with a stable and substantial pension and savings. She also owns several properties and a portfolio of financial investments. Her children, although filial, work in other cities and lead busy lives, making it difficult for them to be by her side constantly.

Ms. Yang wishes to maintain an independent, high-quality, and financially secure lifestyle in her later years. She also wants to prepare in advance for potential large expenditures on healthcare and long-term care to avoid placing a financial burden on her children. Therefore, she hopes to rely on a professional mechanism to manage and plan her retirement funds effectively.

Ms. Yang entrusted her properties, financial investments, and a portion of her savings to a Retirement Protection Trust. The trust institution assessed her properties and rented out some idle ones, incorporating the rental income into the trust assets to cover her daily expenses. Her financial investments were restructured based on her risk tolerance:

• A portion was allocated to low-risk products such as bonds and large-denomination certificates of deposit to ensure basic safety and liquidity of funds.
• The rest was moderately invested in high-quality stocks and mutual funds to pursue long-term asset growth.

To address potential unforeseen events such as serious illnesses or the need for long-term care, the trust reserved sufficient emergency funds. It also established partnerships with professional medical service providers and elder care institutions. This ensures that should the need arise, Ms. Yang could quickly be placed in a suitable facility to receive professional care, with the associated costs covered by the trust.