超级富豪如何处理他们的财务问题? [美国媒体]

How do the super rich handle their finances? Does Bill Gates' personal bank account actually say "$66,000,000,000.00 available"? I can't imagine him going down to the local Chase Bank to withdraw 50 bucks to pay the cleaner, so what happens instead?

超级富豪如何处理他们的财务?比尔•盖茨的个人银行账户真有“66,000,000,000.00（六百六十万）美元可用”吗?我无法想象比尔•盖茨本人会去当地的银行提取50美元来付清洁工的钱。
那么超级富豪到底是怎么处理这些事的呢?

Anonymous
I'm relatively wealthy, not super rich. But I do have an aunt and uncle in the billionaire club, and here are the most interesting observations/answers they've given me about their finances

我只是相对富有，不是超级富有。但是我有一个阿姨和一个叔叔都是亿万富翁，所以以下是他们给我的，关于他们自己财务状况的最有趣的观察/回答。



The jewelry is fake. It's common to have replicas made of any jewelry that costs over a million dollars. Insurance won't cover keeping it in their homes, so it sits in safety deposit boxes.The real stuff gets taken out for events and galas.

4. 珠宝首饰基本都是假的。富豪们基本上会为他们超过一百万美元以上的珠宝打造复制品。他们把假货放在家里，而把真正的珠宝首饰放在银行保险箱里。除非有需要，否则他们只有在参加活动和聚会时，才会把真正的东西戴在身上。

I am worth ~$50M so I guess I am qualified to answer this question.
Rich people have various ways to manage their wealth. Some people don't actually manage it. They focus their energy on spending it. For me, I opt for simplicity.
Here is how I divide my investments.

我身价5000万美元，所以我想我有资格回答这个问题。
富人有各种各样的方式来管理他们的财富。有些人并没有真正做到这一点。他们把精力集中在花钱上。而对我来说，选择很简单。
我是这样分配我的投资的。



Franklin Parker
This is a good question, one I thought about before coming to work for an ultra high net worth family.

这是一个很好的问题，我在为一个超高净值家庭（高净值家庭，即家庭可投资资产在600万元人民币及以上的家庭）工作之前就考虑过这个问题

Firstly, the actual value of the extremely wealthy is almost always tied up in businesses, real estate, jewelery, art, investments and so on. It isn't as though Bill Gates has entire net worth sitting at Chase Bank. Usually, it is a very small percentage which is in cash at any given time. This poses it's own problems, of course, as those assets generate cash constantly, and in very large sums (if they are managed correctly).

首先，超级富豪的实际财富价值几乎总是与商业、房地产、珠宝、艺术、投资等相关。比尔•盖茨并非拥有摩根大通的全部净资产。
通常情况下，在任何给定的时间里，只有占百分比很小的一部分才能够提成现金。当然了，这些资产也在不断升值，而且数额非常大(如果管理得当的话)。



Of the big brokerages, Switzerland’s UBS has the biggest share of the private client market, with $1.3 trillion under management, followed closely by Citigroup and Merrill Lynch , each with about $1.1 trillion under management.

在大型券商中，瑞士银行(UBS)在私人客户市场的份额最大，管理着1.3万亿美元的资产，其次是花旗集团(Citigroup)和美林证券(Merrill Lynch)，管理着1.1万亿美元的资产。

But there are well-established niche U.S. private banks that have thrived for decades. Some names might be familiar, like Bank of New York Mellon –which bills itself as the first U.S. private bank, at 220 years old–with $162 billion of assets under management, or U.S. Trust, now owned by Bank of America , with $220 billion.

除此之外，美国还有一些已经发展了几十年的小众私营银行。一些名字大家可能很熟悉，比如纽约梅隆银行(Bank of New York Mellon)，它自称是美国第一家拥有220年历史的私人银行，管理着1620亿美元资产;或者是美国银行(Bank of America)旗下的美国信托(U.S. Trust)，管理着2200亿美元资产。

Northern Trust in Chicago, with $145 billion of wealthy-client assets, lays claim to 22% of the Forbes 400 as clients

芝加哥的北方信托公司拥有1450亿美元的客户资产，在福布斯400富豪榜上占有22%的客户。

Then there are less well-known companies, mostly because they work hard at being low-key, including Harris Bank (a unit of BMO Financial), with $50 billion; New York’s Bessemer Trust, with $51 billion; and Philadelphia’s Glenmede Trust, with $21 billion.

其次是一些知名度较低的公司，知名度低主要是因为它们努力保持低调，包括拥有500亿美元资产的哈里斯银行(Harris Bank, BMO Financial蒙特利尔银行金融集团的子公司);纽约贝西默信托拥有510亿美元;还有费城的格伦梅德信托，拥有210亿美元。



Family offices are popular among the super-wealthy, who can afford to hire their own staff of professional, full-time lawyers, accountants and investment planners. To make it worthwhile, though, a family running its own family office has to have at least $100 million just to afford the fee on assets they have to pay each year–around .5%–to keep things running, and that doesn’t include the money management fees.

家族理财办公室在超级富豪圈中很受欢迎，他们有能力聘请属于自己的，专业的，全职律师、会计师和投资规划师。
不过，为了更划算些，一个经营自己家族理财办公室的家庭必须至少拥有1亿美元，才能支付每年大约0.5%的资产管理费，这还不包括资金管理费。

Families with less than $100 million can band together in “multifamily” offices that combine the resources and divide the costs. This is the function some of these banks and brokerages have been trying to fill.

不到1亿美元的家庭，可以多个联合起来共同聘请一个家庭理财办公室，这样可以合并资源并分担费用。这也是一些银行和券商一直试图填补的职能。