熱門時事分享：史上最大財富轉移來了！沒有「父母銀行」的人該怎麼辦？｜20261013
目錄
2026 年 10 月 13 日｜HOT 用英文聊時事｜S1 EP48
歡迎收聽《HOT 用英文聊時事》，你有聽過「財富大轉移」嗎？未來二十年，全球將會出現一場史上最大規模的資產大搬家，預計有超過 80 兆美元的財富，會從嬰兒潮世代的手中，正式交棒給下一代。而且最特別的是，現在資產要傳給下一代，不需要等長輩過世。越來越多家庭開始流行一種做法，叫做「生前贈與」。父母趁著自己還健在的時候，就幫孩子出買房頭期款，或是每年分次贈與現金。而當這麼龐大的資金開始流動時，第一個被撼動的，就是房地產和高端消費市場。
Welcome to “Hot English Topics.” Have you ever heard of the “Great Wealth Transfer”? Over the next twenty years, we’re going to see the biggest shift of assets in history. More than eighty trillion dollars is expected to move from the Baby Boomer generation into the hands of the next generation. And here’s what makes it different this time: parents are no longer waiting until after they’re gone to hand down their assets. More and more families are adopting a practice known as lifetime gifting. Parents might help their kids cover a down payment on a house or give cash gifts every year. And when that much money starts moving around, the first sectors to feel the impact are the real estate market and the market for high-end goods.
然而，如此龐大的資金，並不是平均分配的，而是高度集中在極少數的家庭手裡。這種財富不均，最直接的影響就反映在房市上。 根據內政部與金融聯徵中心資料顯示，現在台灣三十歲以下的購屋族裡，有超過一半以上的自備款，背後都有父母生前贈與或資助的影子。
But this huge amount of money isn’t spread out evenly. It’s concentrated in the hands of a very small number of families. And that kind of wealth gap shows up most clearly in the housing market. According to data from the Ministry of the Interior and the Joint Credit Information Center, more than half of homebuyers in Taiwan under the age of thirty rely on gifts or financial support from their parents to cover their down payment.
畢竟以現在台灣的房價所得比來看，年輕人要不吃不喝超過十年才買得起房。這代表遊戲規則已經徹底改變，過去嬰兒潮世代靠自己白手起家、認真存錢就能買房的時代已經過去了；現在越年輕的世代，越需要仰賴家裡的幫忙，才能擠進買房的窄門。
Given how high housing prices are compared to income in Taiwan right now, young people would need to save every penny they earn for more than ten years just to afford a home. And that tells us the rules of the game have completely changed. Back in the Baby Boomer generation, people could make it on their own by working hard, saving diligently, and eventually buying a home. That’s just not the case anymore. Today, each younger generation relies more on family support than the one before it to even have a shot at buying a house.
同樣的趨勢也反映在精品消費上。那些買得起高奢品牌的人，本來就是手握家族資產的群體，這波財富轉移，只是讓這道貧富分水嶺變得更深、更明顯。對於一般的中產階級來說，如果家裡沒有多餘的資源可以承接，想要單槍匹馬在城市裡買房，或者是維持高水準的消費，未來的日子，只會感到越來越吃力。
We can see the same pattern in luxury spending. The people who can afford high-end brands are usually the ones who already come from families with money. This wealth transfer just makes that divide deeper and more obvious. For the average middle-class family, if there’s no extra support to fall back on, trying to buy a home in the city on your own, or keep up a certain standard of living, is only going to feel harder in the years ahead.
講到這裡，其實還有一個很有趣的現象。在這波財富轉移的過程中，女性很可能是「意外的大贏家」。根據瑞銀集團發布的全球財富報告，家庭資產在傳給下一代之前，往往會先經歷一段配偶之間的橫向轉移。背後主要有兩個現實原因：第一是生理壽命，女性平均壽命較長，家庭資產會先經歷第一階段的「橫向轉移」，自然而然落到配偶的手中；第二則是法律與婚姻機制對配偶繼承權的優先保障。
Now, here’s something interesting. As this wealth transfer takes place, women could very well turn out to be the surprise winners. According to a global wealth report from UBS, before family assets pass down to the next generation, they often first pass laterally between spouses. There are two main reasons behind this. One is simply about lifespan. Since women tend to live longer on average, family assets often go through an initial lateral transfer, naturally ending up with the surviving spouse before being handed down. The other reason is that legal and marital systems tend to give spouses priority when it comes to inheritance rights.
所以這波資產大搬家，在真正傳給下一代前，會先經歷一場大規模的「性別轉移」，可能重塑未來的消費與投資市場。現在各大銀行與私人財富管理機構，都已經注意到了這個龐大的商機並紛紛推出針對女性專屬的理財顧問服務與「家族信託規劃」。但這只是第一步，資產在配偶手上停留後，最終還是會走向第二階段，也就是傳給下一代。
So before this massive wealth shift ever reaches the next generation, it will first go through a large-scale shift across gender lines, and that could end up reshaping future spending and investment markets. Major banks and private wealth management firms have already noticed this huge opportunity. They’re rolling out wealth advisory services designed specifically for women, along with family trust planning. But that’s really just the first step. After assets settle in the hands of a spouse, they’ll eventually move on to the second stage: passing down to the next generation.
當我們把視角拉回台灣，看看第二階段的「縱向傳承」，對我們的影響更直接。你可能也有感覺，身邊不少朋友同樣認真工作、領著相同的薪水，但有些人到了三十幾歲突然就能輕鬆買房、結婚成家，甚至提早進入人生下一階段。這不是你的錯覺，台灣已經全面進入「大繼承時代」。
So, let’s bring the focus back to Taiwan and look at the second stage, passing assets down through generations, since this is the part that affects us more directly. You might have already sensed this. You probably know friends who work just as hard and earn about the same salary as you, but somehow, by their thirties, they can easily buy a home, get married, and start settling into the next stage of life. That’s not just in your head. Taiwan has fully entered what people call the “Great Inheritance Era.”
根據財政部與內政部的最新統計，台灣一年的遺產總額已經突破 1.3 兆台幣。現在全台灣換手的房子裡，每三間就有一間是靠「繼承」來的。平均下來，一個人繼承到的房產價值就超過千萬元。這代表繼承所帶來的優勢，會隨著世代演進越拉越大。同樣努力的兩個人，只因為家庭背景不同，最後卻會走上完全不一樣的財務軌跡。
According to the latest statistics from the Ministry of Finance and the Ministry of the Interior, the total value of inherited estates in Taiwan has now passed 1.3 trillion NT dollars in a single year. Right now, one out of every three homes that change hands in Taiwan is inherited. On average, the property inherited by each person is worth more than ten million NT dollars. This means the advantage that comes with inheritance will keep widening from one generation to the next. Two people who work just as hard can end up on completely different financial paths simply because they come from different family backgrounds.
那如果沒有繼承，是不是就注定落後了呢？倒也不是。觀察近年的金融與社會趨勢會發現，越來越多家庭開始把「生前贈與」和「提前資產配置」當成正式的財務工具，這不再只是有錢人的專利。
So does that mean if you don’t have anything to inherit, you’re just doomed to fall behind? Not necessarily. Looking at recent financial and social trends, more and more families are starting to treat “lifetime giving” and “early financial planning” as formal financial tools. And this isn’t just limited to wealthy families anymore.
而面對這股財富大轉移的浪潮，市場上也出現了三個非常明顯的觀念轉變：第一個改變是，大家漸漸不再把財富差距當成自己不夠努力的證明，而是意識到這是全球性的結構問題，先放下比較心態，反而才是理財的第一步。第二個是複利思維變普及了，沒有遺產可以繼承的年輕世代，反而比以前更積極投資自己，也更願意透過時間慢慢拉近起跑點的差距。第三點是家庭之間開始願意提早把話說開。以前台灣家庭覺得活著談分產很觸霉頭，但現在越來越多人把生前規劃當成一種理性的風險管理，而不是禁忌。
Facing this wave of wealth transfer, we can see three clear shifts happening in how people think about money.The first shift is that people are moving away from seeing the wealth gap as proof that they haven’t worked hard enough, and instead recognizing it as a global structural issue. Letting go of that comparison mindset is actually the first step toward managing money well. The second shift is that compound thinking has become more common. Young people with nothing to inherit are actually investing in themselves more than before, and they’re more willing to close that starting-line gap gradually, over time. The third shift is that families are becoming more willing to talk things through early. In the past, Taiwanese families saw it as bad luck to discuss dividing assets while everyone was still alive. But now, more and more people are treating planning ahead as a rational way to manage risk rather than a taboo.
在這波財富轉移的大潮下，我們或許無法決定自己的起跑點，但及早看清規則並做好準備，能夠讓我們在未來的變局中，多一份選擇的自由。
In this wave of wealth transfer, we may not get to choose our own starting point, but understanding the rules and preparing early can give us more freedom to choose how we move forward.
本集節目由 CLN 製作播出，我們下次見！This podcast is produced by CLN. See you again soon!
歡迎至各大平台搜尋《HOT 用英文聊時事》，立即收聽最新集數！
每週二早上八點更新，用簡單易懂的英文來講解最新的熱門、商業及趣味新聞，讓你輕鬆跟上時事，還能在社交場合侃侃而談，穩定提升英文實力！
本節目由【CLN (Corporate Language Network)｜外語服務與培訓領導品牌】製作播出。
CLN 英文一對一：https://cln-asia.com/1on1/
CLN 企業英文培訓：https://cln-asia.com/corporate-training/
CLN 免費學習講座：https://reurl.cc/0mpYXM
了解更多 HOT 基礎英文新聞：https://reurl.cc/mklZkj
追蹤 Threads：@hotenglishnews
—— CLN 團隊 帶你看懂新聞，提升英文
www.cln-asia.com
本文由 CLN 編輯團隊的資深專家協力撰寫與審定。我們的團隊成員不僅畢業於台灣頂尖大學的商管、語文及教育相關系所，更在跨國企業、顧問諮詢、與人才發展領域，具備多年的實務與管理經驗，致力於將深厚的產業洞察轉化為兼具專業性與實用性的職場解決方案。
本站所有文章，歡迎自由分享網址連結並註明出處。但未經授權，請勿任意利用或直接複製、轉載文字內容。
關於 CLN
CLN (Corporate Language Network) 創辦於 2014 年，是亞洲企業外語服務和培訓的領導品牌，旨在解決企業因外語所衍伸的相關問題，協助客戶成為具有跨文化溝通和國際合作能力的專業人士。我們提供一流的企業教育訓練、AI 學習工具、隨選隨上家教平台、文件翻譯、會議口譯、師資訓練等專業服務。這些年來，我們的合作廠商包含 Google、Yahoo、IBM、IKEA、Mercedes-Benz、聯發科等多家國際品牌。
Since 2014, CLN (Corporate Language Network) has delivered language training and cross-cultural communication services for companies across Asia, including brands such as Google, IKEA, and MediaTek.
