Ask multimillionaires how to immigrate and how to plan the transfer of property.

Mr. Li and his wife have just reached the age of no doubt. They have been running a machinery manufacturing enterprise for ten years, holding 50% shares. The enterprise is in good operating condition and can get a pre-tax profit of 350,000 yuan. The eldest daughter 1 1 year-old, sixth grade primary school, and the youngest son, 5 years old, is in a large kindergarten class.

There are 6 million bank deposits at home and 800,000 US dollars in foreign currency deposits, equivalent to RMB 4.8 million; The stock market value is 3 million, and the overall income is negative.

Three sets of real estate, the market price of owner-occupied house is 4 million yuan, one set of villa has a market value of 6,543,805 yuan, and one set of small apartment under the name of Li Furen has a market value of 6,543,800 yuan.

At present, the annual living expenses are 480,000, and the annual tuition is 6.5438+0.2 million. Financial objectives:

Enterprise transfer planning: transfer all the shares held by operating machinery manufacturing co., ltd.

Investment immigration planning: the investment is USD 6,543,800+0,000. After 654.38+0 years, the whole family immigrated to the United States, and the children studied in the United States until they graduated with a master's degree.

Resettlement plan: 6.5438+0.5 million villas and 6.5438+0 million apartments are for sale, and a villa worth 4 million US dollars, or 24 million RMB, is purchased in the United States and paid in full.

Other plans: the assets originally belonging to Li Can and his wife will be gradually transferred to their children's names; In the legacy, it is planned to reserve 5 million yuan for domestic public welfare undertakings.

Financial planners suggest:

According to the change of ownership scheme proposed by Mr. Li, the enterprise value calculated by cash flow discount method is estimated to be 43.75 million yuan. It is higher than the price offered by the partner. It is suggested that Mr. Li discuss with the partners again and re-evaluate the enterprise.

In terms of investment immigration planning, after the sale of Mr. Li's existing machinery manufacturing company, according to the requirements of American immigration law, the investment is 6,543,800,000 US dollars, that is, 6 million RMB, and the estimated after-tax income is 5%. The income is 37.75 million yuan. In addition, after the sale of the old house, you can buy a set of self-occupied housing with a present value of 4 million US dollars or 24 million RMB in the United States.

Mr. and Mrs. Li did not participate in social endowment insurance or social medical security system. With the growth of age, the demand for old-age care and health protection is increasing. It is suggested to construct insurance planning from three aspects: first, to meet the basic living expenses of parents ten years later by purchasing annuity insurance; The second is to buy critical illness insurance to meet the large medical expenses after retirement; The third is to buy commercial medical insurance to meet the medical needs after retirement.

For the most critical wealth inheritance planning, the financial planner suggests that the property be gradually transferred to the children's name through insurance. Set aside 5 million RMB to set up trust funds and charitable trust funds in China.