Immigration is a major life event for everyone, and it is not an impulsive decision. Once you decide, you must fully consider various potential problems. Therefore, before starting to immigrate, you must clearly calculate how much food your family has, and formulate countermeasures one by one according to the specific situation, and plan your personal property well.

Failing to plan well in advance, especially financial and tax planning, may have a significant impact on the entire family in the next few years or throughout your life. For example: sort out your assets, whether to continue to maintain the status quo or liquidate them as soon as possible, whether to stay in the country in the form of RMB or transfer them abroad after exchanging currency, and how to improve the convenience and profitability of transactions without reducing security. All very important. Another example: the regulations and economic conditions in the country of immigration may be different from those in the country. A sound tax plan is the best investment you can make before immigrating or living for a long time. Before immigrating, consider the difference between property disposal and non-property according to your tax situation. If there is no proper planning, you may end up paying tuition fees before your hard-earned money can be safely passed on to the next generation.

How to handle and plan your property is mainly based on several considerations:

First, whether your overseas life after immigration will be comfortable. If your life is worry-free, you might as well leave some of it. Assets domestically and cross-border diversified asset allocation can effectively reduce the market risk of the investment portfolio.

The second is to consider growth investment opportunities in emerging markets. After all, China is the most attractive emerging market in the world. In the foreseeable future, China's economy will continue to grow at a high speed, and many foreign investors are trying their best to squeeze in and get a share of the growth opportunities in the Chinese market. However, there are also structural risks in the development of emerging markets. Therefore, what type of investment will be left? The assets and the proportion to be retained need to be considered as appropriate;

The third is the factor of exchange rate changes. Judging from the domestic and foreign macroeconomic situation and the trend of NDF in recent years, the RMB to maintain a small and steady appreciation may be the long-term trend in the next few years. , in this case, holding RMB assets is a better choice, especially relative to some non-commodity currencies;

The fourth factor is the interest rate level. The interest rate levels in different countries are different. It depends on the comparison between the interest rate level of the immigration destination country and the RMB interest rate level. Due to factors such as suppressing inflation, the RMB may continue to raise interest rates in the past two years and maintain higher interest rates. If immigrants go to countries with extremely low interest rates such as Japan, then it is obvious that investment Better opportunities for fixed income products lie in China.

Before immigrating, disperse the property in your name. For a foreseeable period of time, property with appreciation potential can be placed in the name of one's children, spouse or other close relatives. For those depreciated properties that were originally intended to be disposed of, the disposal can be postponed until after immigration. In this way, if a capital loss occurs in the tax law, other capital surpluses can be hedged in one go or future capital surpluses can be hedged in installments. If you have invested in stocks or funds and other products in China and have experienced substantial appreciation, you can consider selling them before immigration and quickly repurchasing them after immigration, so as to increase the book cost of the property. Significantly lower capital gains taxes.

In addition, the purpose of investment immigration must also be considered. If the main purpose of immigrating is to make your spouse live a better life, or to allow your children to receive a better education, you can consider investment immigration in the name of your spouse or adult children. Before immigrating, only transfer the minimum assets that meet the investment immigration requirements to In the name of a spouse or child. If the purpose of immigrating is to enable you to live comfortably in your later years, you may consider using a "buyout" method to withdraw all pensions and other regularly distributed income at once before immigrating.

After immigrating, it is a good choice to continue making fixed-income investment products in China.

For some stock assets, it is recommended to clear out as much as possible before immigrating. In particular, small-cap stocks with higher valuations and theme-based stocks can be held appropriately if they are blue-chip stocks with lower valuations and stable performance. Although the Internet can erase the restrictions of national borders, after immigrating, you have been overseas for many years. There may be certain deviations and lags in grasping the dynamics and information of the domestic market. Stocks are a forward-looking investment, so it is prudent. After immigrating, it is not suitable to engage in short- to medium-term speculation, but should change your style to long-term investment.

If you hold physical gold or gold jewelry, liquidate it, because the country has strict regulations on carrying gold out of the country, and the total weight cannot exceed 100 grams. In addition, if you have a family car, you need to sell it as soon as possible.

Before leaving, try to concentrate all your assets on one bank card before immigrating to facilitate future operations. This bank card must have complete online banking functions. In addition to basic settlement functions such as transfers, more importantly, it must have financial management functions such as self-service financial management, fund trading, and third-party depository management. It would be better if the handling fees can be lower. In addition, the authentication operation mode of online banking must also be considered, and try to choose a method that is applicable overseas and has a longer period of use.