Private Trust
Private trust is an independent fund to protect the family members of the policyholders and aim to provide solution towards estate leftover by nominating a trustee. This independent fund is insured by the Service Law under Law of Malaysia. It is vary across different people and is fully customized and tailored to suit based on the preference of policyholders.
Types of funds are as below:
1) Single Parent Family Trust Fund
2) Newlyweds Trust Fund
3) Family Wealth Trust Fund
4) Special Need Condition Children
5) Philanthropist Trust Fund
Single Parent Family Trust Fund
Imagine when a single parent bring up the children, the main worry by the parent is the problems and issues that the children will be facing in future such as where the children could acquire funds to support daily expenses, education and also medical fees after the parent ceased. Besides, it will be a nightmare if the parent demised, the estate would be frozen until Grant of Probate (GP) is granted and this is where this trust fund could take place to resolve the deadlock.
Newlyweds Trust Fund
It is a great fortune for new married have a newlywed’s trust fund to provide a financial protection and risk transfer. This trust is a lifelong guarantee for the spouse, showing the commitment and responsibility of the other half and the children to be met in the future in the form of gift of love. There is no alternative to the promise of love for newlyweds, but to bear the trust of all living expenses such as living, education, medical care, mortgage loan and even preparing a portion of the funds for daily travel, beauty treatment, slimming and etc. Therefore, this trust is the best gift for newlywed of this century, guaranteeing our commitment and responsibility for our partner’s lifelong commitment.
Family Wealth Trust Fund
Family Wealth Trust Fund is an investment, business and family planning tools that established by bunch of middle-aged people used to protect their company & Family assets. From the family perspective, in order to fulfil this modem generation education level and maintaining their children living standard, it is very important and significant to protect their assets and business to secure their future. Talking to those enterprises and investors, their family financial status may suffer in serious crisis and impact due to their investment area might have higher chance to bear the risk. Therefore, in order to live under a circumstance that consists of different type of risk and uncertainty, the Family Wealth Trust Fund is inevitable for every family to have a better protection.
Special Need Trust Fund
In the modern society, a family that need to support a children who have down’s syndrome, depression or mental retardation have been discovered as a helpless and painful story. In fact, this does not cause the burden on financial only but also on psychological, so the special need trust will play a main role on this, especially towards the family who have special children. Special need trust will help in financial and allocate/arrange the special children to the care centre. So, special need trust play important function on financial support like provide living expenses, nutrition treatment and expenses of care centre.
Philanthropy Trust Fund
Nowadays, there have many kind people are willing to do philanthropy in live. Therefore, the philanthropy business is necessary activity to help the people who are lower income citizens and the patient who suffer in illness. Hence, when the kind person passed away, this philanthropy trust fund could provide sustainability for the fund. It is another education way, to remind their next generation that the giving prosperous is better than taking. Philanthropy trust fund is a type of beauty will, which it contributes back to the society for those in need.
私人信托是以保护家庭成员和解决遗产问题为目的分配给一名关键人物的独立基金。此独立基金由马来西亚法律之下的金融服务法和受托人法所保护。独立基金是根据不同类别人群在个人财产或企业风险规划方面的需求所量身定制的。
基金可分类如下：
单亲家庭信托
新婚信托
家庭财富信托
特殊孩童信托
慈善信托
单亲家庭信托
想象一下单亲父母独自抚养孩子成人，他/她最担心的莫过于，当他们离世孩子会面临什么状况：哪里可以得到财务援助来维持孩子的生活、教育和医药费用方面的支持。此外，要是单亲父母遭遇不幸且顽强的活下来未离世，他们的医药费用和生活费若无任何支援，想必是一场灾难。同样的，当一个人离世后，他的资产和投资都会变成负债，这就是私人信托能够运作的地方，而所有资产将被冻结等待直到证书被授予。
新婚信托
新婚夫妻能够拥有新婚信托让伴侣在财务保护和风险转移方面有所保障是件多么幸运的事。此信托对配偶而言就是种终生保证，以爱的礼物的形式表现出对另一半和未来家中将迎接的小孩兑现承诺和责任。对新婚人而言爱情的承诺没有其他可替代，而是为了承担所有生存费用（生活起居、教育、医疗，甚至准备一部分资金在日常的旅行、美容疗程、瘦身等）的信任。因此，此信托是本世纪的新婚夫妇最美好的礼物，保障了我们对于伴侣付诸终生的承诺和责任。
家庭财富信托
家庭财富信托是由中年人组织在投资、商务、家庭方面所设立的信托。有鉴于家庭的生活方式和对下一代的教养和教育水平要求，保护他们的资产和业务对于此年龄层的人来说十分重要。对于那些企业或投资的范围大到足以承担风险者来说，他们的家庭财务能力或会因此面临危机和不堪设想的后果，影响甚大。因此，在如今无法预测风险的生活中，每户家庭拥有这份信托是必然的。
特殊孩童信托
在当今社会中，让人无助的是发现一个家庭需要支撑一个患有唐氏综合症、抑郁症或智力迟缓的特殊孩童是多么另人倍感沉重的事。不仅是经济上、更多是心理上的负担，因此特殊孩童信托扮演了至关重要的角色，特别是对于拥有特殊孩童的家庭。它不仅在财务方面发挥作用，也能安排特殊孩童到护理中心并且进行分配。因此，信托在提供日常护理费用（如生活费、营养疗程和护理中心费用）方面的财务支援相对重要。
慈善信托
现今社会，许多好心人都愿意在生活中做善事。于是乎，慈善事业是帮助迫切需求的社会底层人士和医疗病人必不可少的活动。因此，慈善信托是当一个善心人离世仍然能依照心愿提供慈善的延续。这是另一种教育形式，提醒他们的下一代施比受有福，也是为了下一代的福祉所采取的一种形式。慈善信托是个人的美好心愿，总是回馈社会，对于那些有需求者做出的个人贡献。