Informe sobre la transferencia del patrimonio

Información sobre la donación y la herencia del patrimonio a través de las generaciones

En Canadá se prevé que, dentro de una generación, más de $400 000 millones pasarán a manos de los herederos. ¿Cómo se preparan las familias canadienses para una de las mayores transferencias de patrimonio de la historia? ¿Y los herederos estarán preparados?

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In the coming years, an estimated $4 trillion in wealth will transfer across generations in Canada, the UK, and the US. But are we ready?

Our study found both inheritors and benefactors are unprepared. In fact, only 26% of benefactors surveyed have a full wealth transfer strategy in place. And just 35% of inheritors say they are prepared to receive wealth. So while many people are making initial arrangements like writing wills, 1 in 3 have done nothing at all to prepare.

What we found was a direct correlation between preparedness and confidence. For those with a full wealth transfer plan, 58% are confident the next generation will sustain their wealth. For those with no preparations, only 33% are confident their wealth will endure.

When it comes to building financial confidence, it pays to start early. Those starting with financial education before age 18 are the most confident. However, our study found education typically does not begin until age 27. And it tends to be informal, and led by family members, despite the fact that almost 4 of 5 respondents found financial education led by professionals to be effective. So how can you preserve and protect your legacy?

Important steps can be taken to ensure a confident transition of wealth, including preparing yourself, your heirs, and your financial affairs. Before you transfer wealth, transfer your knowledge, and supplement it with professional financial education.

Your legacy is about more than wealth. The steps you take today will lay the foundation for a legacy that lasts.

This video is provided by RBC Wealth Management for informational purposes only. The comments contained in this video are general in nature, and do not constitute legal, investment, trust, estate, accounting or tax advice. RBC Dominion Securities Inc.*, Royal Trust Corporation of Canada, The Royal Trust Company, RBC PH&N Investment Counsel Inc., RBC Wealth Management Financial Services Inc. are affiliated corporate entities and member companies of RBC Wealth Management, a business segment of Royal Bank of Canada. *Member – Canadian Investor Protection Fund. Please visit www.rbc.com/legal/ for further information on the entities that are member companies of RBC Wealth Management. ®/TM Trademark(s) of Royal Bank of Canada. Used under license. © 2021 Royal Bank of Canada. All rights reserved.

“Les corresponde a los donantes del patrimonio preparar de forma proactiva a la siguiente generación para gestionar dicho patrimonio”.

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Based on our estimates, over $400 billion in wealth is set to pass from one Canadian generation to the next. Canadians really need to take this opportunity to evaluate their current state of preparation for both transferring wealth, as well as educating the next generation on money and financial matters. From our research, less than 1/4 of Canadians have a full wealth transfer strategy in place and one in three have done nothing so far to prepare.

While some preliminary steps have been taken, with 52% of Canadians indicating they have prepared a will, important steps remain, particularly giving the aging population in Canada. This lack of preparation has Canadians worried about their legacies in the next generation. Almost 60% of Canadians are not confident their children will preserve or grow the wealth they inherit.

Canadians need to take further action to adequately prepare for the significant wealth transfer that will occur in the upcoming years. A solid grounding in financial fundamentals help set the stage for a successful transfer of wealth across generations. This includes first transferring knowledge, as well as opening up communications between both the givers and receivers of wealth. It's up to the givers of wealth to proactively prepare the next generation to manage wealth to ensure that the family legacy can endure.