Recently the insurance industry has been promoting direct inheritance, saying that the tax rate is the most optimized, but they have not considered other aspects.
If the client wants to use a low-interest mortgage loan for investment, he must first use the sale and purchase inheritance to make a high actual price registration; if he just inherits directly, he can only use the announced market price at most.
If your property is located in an urban planning area and you are optimistic about its future prospects, do you think it is better to use the announced market price loan ratio or a higher actual price registration ratio?
Unless everyone does not understand what basic investment concepts are, then direct inheritance is definitely the simplest solution.
But things are actually not that simple. It requires more detailed calculation of various tax sources, and then a comparison of all tax rates based on subsequent heirs and possible different years of buying and selling.
But after all, I am not your upline, and I have not received any tuition fees. If you want to know more about how to help customers make the best configuration arrangements, of course you know...😏
An excellent asset allocation risk controller always needs to help clients think of more routes instead of just blindly following the SOP given by the company.
If what you are doing can be easily done by other colleagues, how can you show that you are unique?
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