随手搜一个床铺小扎很多英国贵族常用的著名trick， GRAT。肯定还有很多更复杂的避税办法。再比如你换股票需要先卖再买就要交税，巴菲特就可以swap股票不需要缴税。办法永远比困难多。所谓迟早要交都是扯淡，大多数有钱都是拖到死然后再用trust解决问题。没几个乖乖交遗产税，交也是因为富豪意外死亡，没计划好的。税法最大的漏洞在trust上，但没有政客敢动的。 Here’s how the vehicle works. GRATs are also known as split-interest trusts. The interest in an asset is split between the original owner (the grantor) and the beneficiary over a set number of years. The transfer can be short term (maybe two years) or longer term (10 or 20 years, for example). The typical GRAT strategy is to put an asset into the trust that is likely to appreciate greatly in value, according to estate planners. The grantor receives annuity income — a combination of principal plus an interest rate set by the Treasury Department — over the GRAT’s term, and the beneficiary receives the remaining value tax-free. Here’s a high-level illustration: The grantor puts $10 million worth of Apple stock into a GRAT with a five-year term and a 3% interest rate. The grantor would get $2 million in principal and $60,000 in interest payments every year for five years. Let’s say the Apple stock grew to $20 million over that time. The beneficiary would get a total of $9.7 million ($20 million – $10.3 million) tax-free.
随手搜一个床铺小扎很多英国贵族常用的著名trick， GRAT。肯定还有很多更复杂的避税办法。再比如你换股票需要先卖再买就要交税，巴菲特就可以swap股票不需要缴税。办法永远比困难多。所谓迟早要交都是扯淡，大多数有钱都是拖到死然后再用trust解决问题。没几个乖乖交遗产税，交也是因为富豪意外死亡，没计划好的。税法最大的漏洞在trust上，但没有政客敢动的。 Here’s how the vehicle works. GRATs are also known as split-interest trusts. The interest in an asset is split between the original owner (the grantor) and the beneficiary over a set number of years. The transfer can be short term (maybe two years) or longer term (10 or 20 years, for example). The typical GRAT strategy is to put an asset into the trust that is likely to appreciate greatly in value, according to estate planners. The grantor receives annuity income — a combination of principal plus an interest rate set by the Treasury Department — over the GRAT’s term, and the beneficiary receives the remaining value tax-free. Here’s a high-level illustration: The grantor puts $10 million worth of Apple stock into a GRAT with a five-year term and a 3% interest rate. The grantor would get $2 million in principal and $60,000 in interest payments every year for five years. Let’s say the Apple stock grew to $20 million over that time. The beneficiary would get a total of $9.7 million ($20 million – $10.3 million) tax-free. momosun 发表于 2021-12-29 12:05
你别放这种公开市场交易的产品呀。你放IPO前的股票，或者准备拆迁前的大楼进去。还不是你说值多少钱就值多少钱？回头项目做完了，股票大楼价值翻个两三倍都很常见呀。 我还能想到的办法是在trust外做反方向对冲。如果投资赚钱了就成功躲过了遗产税。如果赔钱了，外面有对冲也不吃亏。我觉得有钱人逃税的核心就在一直defer capital gain，同时及早遗产trust规划。但总会有一些意外，例如这个例子如果trust期间人死了就要交一大笔遗产税。
打了一段话 一点营养的成分都没有。 什么乱七八糟的 ”你是镰刀”。舌头打结了吗 那些不工作的人拿的dividend难道是钱自己生出来的，还不是韭菜工作帮公司赚的
投资是支持公司的运转，投资人承担各种经济风险，dividend是公司对投资人的回报。这不是经济学101么？ 难不成别人白借你钱？ 没有投资人，公司没有资本流通，关门大吉，全员解雇，哪里来的中产？
随手搜一个床铺小扎很多英国贵族常用的著名trick， GRAT。肯定还有很多更复杂的避税办法。再比如你换股票需要先卖再买就要交税，巴菲特就可以swap股票不需要缴税。办法永远比困难多。所谓迟早要交都是扯淡，大多数有钱都是拖到死然后再用trust解决问题。没几个乖乖交遗产税，交也是因为富豪意外死亡，没计划好的。税法最大的漏洞在trust上，但没有政客敢动的。
Here’s how the vehicle works.
GRATs are also known as split-interest trusts. The interest in an asset is split between the original owner (the grantor) and the beneficiary over a set number of years. The transfer can be short term (maybe two years) or longer term (10 or 20 years, for example). The typical GRAT strategy is to put an asset into the trust that is likely to appreciate greatly in value, according to estate planners. The grantor receives annuity income — a combination of principal plus an interest rate set by the Treasury Department — over the GRAT’s term, and the beneficiary receives the remaining value tax-free.
Here’s a high-level illustration: The grantor puts $10 million worth of Apple stock into a GRAT with a five-year term and a 3% interest rate. The grantor would get $2 million in principal and $60,000 in interest payments every year for five years. Let’s say the Apple stock grew to $20 million over that time. The beneficiary would get a total of $9.7 million ($20 million – $10.3 million) tax-free.
这个看起来是个好办法。 但是如果放的不是apple， 而是在IBM200刀一股的时候放了个IBM, 现在IBM130刀，亏的钱怎么算？找得回来么？ 找不回来的话，怎么逃税？
你别放这种公开市场交易的产品呀。你放IPO前的股票，或者准备拆迁前的大楼进去。还不是你说值多少钱就值多少钱？回头项目做完了，股票大楼价值翻个两三倍都很常见呀。
我还能想到的办法是在trust外做反方向对冲。如果投资赚钱了就成功躲过了遗产税。如果赔钱了，外面有对冲也不吃亏。我觉得有钱人逃税的核心就在一直defer capital gain，同时及早遗产trust规划。但总会有一些意外，例如这个例子如果trust期间人死了就要交一大笔遗产税。
那为啥马斯克没有用这个办法呢？ 还是必须IPO之前就要放好？但是很多公司都IPO不成的。
我觉得是马斯克自己也没想到特斯拉涨得这么厉害，马斯克拥有大量期权，原来没想到会赚这么多。所以没有足够的提早计划。
I see. thanks for your explanations.
这可不是合理避税 明明是欺诈
搜了一下，袁征在zoom上市前就用这个GRAT省了20亿美元的税。这个方法最适合这种未上市股票，房地产，艺术品等估值困难，升值潜力巨大的产品。老床铺就把自己10亿美元的地产估值5000万美元留给了小床铺。桑德斯一直在致力呼吁堵上这个loop hole，但不能成功。
而且还那么多人点赞认为是合理避税 惊呆
废话 中产辛苦工作挣的钱 就该比什么都不干承担投资风险的人多交20%的税？还经济学呢 笑死人了。 什么白干，他们什么都不做 拿了80% * dividend 这不叫回报？
说句无奈的，精致利己主义的人混的都很好，坚守原则，最后一个比一个惨。这就是可悲的现实。
5%的人交了60%的税这叫富人不交税？