遗产规划是财富分配的意义，它将我们的财富转移给我们的受益人。
Our estate can be distributed according to our wishes in a WILL or setting up a trust with our instructions. Somehow, it can be unsuccessfully distributed even with a WILL!  WHY?

When we are young, we do some savings & investments in order to earn more. For example, we invest to our first property for own stay, subsequent properties for rental income, share market, unit trust and etc. Why a list of investments are created can still make distribution unsuccessful?  WHY?
 
＃3主要原因将导致财富分配失败。
It can be many different scenario & reason to cause Distribution Fail. Let?s look into the 3 main reasons below:

当财富创造的同时，债务也被创造了!!
Housing loan  ? Properties
Personal loan ? Business / Investments
Credit Card     ? Living expenses / emergency
Car loan           ? for vehicle

2.财富不保护
Insurance is the most important tool to protect all the wealth & investment we created, example 500k debts required 500k life cover. If the property is with bank loan and it is without any protection (MRTA/MLTA), the estate is not transferable to the beneficiary without loan settlement. As such, if beneficiary cannot continue to pay anymore, then the property will taking away by the Bank for LELONG !

3.未成年子女的风险
没有信任的未成年子女，分配风险很高。遗产将转移至监护人，直至未成年子女年龄为18岁。那么，谁能保证这些年来监护人什么都不会发生？如果发生意外情况，则分发失败。
 
All above are common reasons cause the ?Fail of Distribution?, so meaning Fail of Investment ! Wealth distribution is a very important planning and plan now to make your investment become successful.