信託是一種法律安排，您（委託人）將資產轉交給專業受託人（如JIG），由受託人按照您的意願為受益人管理這些資產。信託資產在法律上獨立於您的個人財產，能提供保護、私隱及有序傳承，且無需經過遺囑認證。 A trust is a legal arrangement where you (the settlor) transfer assets to a professional trustee — such as JIG — who manages them for your chosen beneficiaries according to your wishes. Trust assets are legally separate from your personal estate, providing protection, privacy, and controlled succession without requiring probate.
信託在您生前即生效，資產毋需遺囑認證（可節省6–12個月），且屬私密文件。遺囑僅在身後啟動、需經法院程序，並成為公開記錄。很多家庭兩者兼用：信託管理主要資產，遺囑處理其餘遺產。 A trust takes effect during your lifetime, bypasses probate (saving 6–12 months), and remains a private document. A will only activates after death, goes through court, and becomes a public record. Many families use both — a trust for the main assets and a will for any remaining estate.
與個人銀行帳戶不同，信託不會因身故而凍結。JIG將按照信託契約繼續運作，家人可在數天內繼續獲得支援，無需等待遺囑認證。若委託人喪失行為能力，信託同樣持續運作，不受影響。 Unlike a personal bank account, which is frozen on death, a JIG-administered trust continues operating immediately according to the trust deed. Beneficiaries continue receiving support within days — no probate delay. If the settlor becomes incapacitated, the trust continues operating without interruption.
JIG信託可持有現金及存款、投資組合、香港及海外物業、人壽保險保單、私人公司股份、加密貨幣及數字資產，以及藝術品和貴重個人財產。 A JIG trust can hold cash and deposits, investment portfolios, Hong Kong and overseas property, life insurance policies, private company shares, cryptocurrency and digital assets, and valuable personal property such as art or jewellery.
受益人向JIG提交分配申請。一般申請可在合理時間內處理；緊急情況（如醫療、急需）通常可在48至72小時內處理。資金可直接支付給個人、學校、醫院或服務供應商。 Beneficiaries submit distribution requests to JIG. Standard requests are processed promptly; urgent cases such as medical or emergency needs can typically be handled within 48–72 hours. Funds can be paid directly to individuals, educational institutions, hospitals, or service providers.
妥善設立的全權信託中的資產，通常不被視為婚姻資產，因為受益人對特定資產並無絕對的法律權利。JIG建議在任何婚姻問題出現之前，預先設立信託以獲得最大保護。 Assets in a properly structured discretionary trust are generally not treated as matrimonial assets because beneficiaries do not have an absolute legal entitlement to specific assets. JIG advises establishing trust structures well before any marital issues arise to maximise protection.
信託資產在法律上獨立於委託人的個人財產，一般情況下可為合法轉讓的資產提供一定程度的債權人保護。有效的保護取決於信託的設立時間及架構。JIG建議在財務壓力出現之前諮詢我們的專業顧問，以確保結構的有效性。 Trust assets are legally separate from the settlor's personal estate and can provide a degree of creditor protection for assets validly transferred into trust. The effectiveness depends on the timing and structure of the trust. JIG recommends consulting our specialists before any financial pressure arises to ensure the structure will be robust.
與遺囑不同，信託是私密文件，不會在法庭公開。信託的條款、資產及受益人詳情均保密，不作公開披露。這為希望保護財富私隱的家庭提供有效保障。 Unlike a will, a trust is a private document — it is never filed in court or made public. The terms, assets, and beneficiary details remain confidential. This provides effective protection for families who wish to keep their wealth arrangements private.
JIG提供香港及離岸地區（英屬維京群島、開曼群島）的公司成立、註冊辦事處、公司秘書服務、實益擁有人登記、董事及股東記錄維護，以及持續合規支援。 JIG provides company incorporation in Hong Kong and offshore jurisdictions (BVI, Cayman Islands), registered office services, company secretarial services, beneficial ownership registration, director and shareholder record maintenance, and ongoing regulatory compliance support.
可以。私人公司股份可以納入信託，形成信託持股公司架構。這是高淨值家庭及商業資產傳承的常見做法，可提供稅務效率、私隱及靈活的控制安排。JIG的專業顧問可為您設計合適的結構。 Yes. Private company shares can be held within a trust, creating a trust-owned company structure. This is a common approach for high-net-worth families and business succession, providing tax efficiency, privacy, and flexible control arrangements. JIG's specialists can design the right structure for your situation.
信託或公司服務提供者（TCSP）牌照由香港公司註冊處根據《打擊洗錢及恐怖分子資金籌集條例》（AMLO 第615章）頒發。在香港提供信託或公司成立服務的公司，必須持有此牌照，方可合法運營。JIG持有TCSP牌照TC010025，確認其為受規管、合規的服務提供者。 A Trust or Company Service Provider (TCSP) licence is issued by the Hong Kong Companies Registry under AMLO Cap. 615. Any firm providing trust or company formation services in Hong Kong must hold this licence to operate legally. JIG holds TCSP Licence TC010025, confirming it is a regulated, supervised service provider.
JIG對所有客戶進行AML/KYC盡職審查、制裁篩查（聯合國、美國財政部OFAC、歐盟及香港名單）、CRS/FATCA自我申報，以及年度合規健康檢查。所有記錄保存最少7年，符合AMLO第615章要求。 JIG performs AML/KYC due diligence on all clients, conducts sanctions screening against UN, OFAC, EU, and HK lists, collects CRS/FATCA self-certification, and carries out annual compliance health checks. All records are maintained for a minimum of 7 years in accordance with AMLO Cap. 615.
標準KYC文件包括：政府簽發的有效身份證明文件（護照或香港身份證）、住址證明（最近3個月內）、資金來源聲明，以及實益擁有人聲明。具體要求視乎服務類型及客戶情況而定。我們的顧問將全程指引您完成文件收集流程。 Standard KYC documents include: valid government-issued photo ID (passport or HKID), proof of address (within 3 months), source of funds declaration, and beneficial ownership declaration. Specific requirements vary by service type and client situation. Our advisors will guide you through the full document collection process.
可以。JIG提供Web3託管方案，讓比特幣、以太幣及其他加密貨幣可以納入信託架構。這為數字資產的法律歸屬及繼承提供清晰安排，並防止因身故或喪失行為能力而導致數字資產遺失或無法存取的風險。 Yes. JIG provides Web3 custody solutions that allow Bitcoin, Ethereum, and other digital assets to be held within a trust structure. This provides legal clarity on ownership and succession, and protects digital assets from loss or inaccessibility in the event of the owner's death or incapacity.
主要考慮包括：安全保管安排（私鑰管理）、資金來源的文件記錄、監管分類（根據資產類型），以及在信託契約中清晰說明分配條款。JIG的顧問熟悉數字資產在香港合規框架下的處理方式，可為您提供專業建議。 Key considerations include secure custody arrangements (private key management), documentation of source of funds, regulatory classification depending on asset type, and clear distribution instructions in the trust deed. JIG's advisors are familiar with digital asset handling within Hong Kong's compliance framework.
設立時間視乎信託的複雜程度及文件準備情況。一般而言，從完成KYC審查至信託契約簽署，需時2至4週。我們的顧問將全程指引您，確保流程順暢。 The timeline depends on the complexity of the trust structure and how quickly documentation is prepared. Generally, the process from completed KYC to signed trust deed takes 2 to 4 weeks. Our advisors will guide you through each step to keep things moving smoothly.
費用視乎信託架構的複雜程度及具體需求而定。每個客戶的情況都是獨特的，因此JIG採用個人化定價方式。請透過查詢表格或WhatsApp (+852 5580 3103)聯絡我們，我們將安排免費初步諮詢，詳細了解您的需求後提供報價。 Fees depend on the complexity of the trust structure and your specific requirements. Every client situation is unique, so JIG provides personalised pricing. Please contact us via the enquiry form or WhatsApp (+852 5580 3103) to arrange a complimentary initial consultation, after which we can provide a tailored quote.
第一步是與JIG專業顧問進行保密諮詢。您可透過查詢表格或WhatsApp (+852 5580 3103)聯絡我們。顧問將討論您的具體情況，建議合適的架構，並引導您完成整個入職及文件收集流程。 The first step is a confidential consultation with a JIG specialist. You can reach us via the enquiry form or WhatsApp at +852 5580 3103. A specialist will discuss your situation, explain the suitable structure, and guide you through the full onboarding and document collection process.
還有其他問題？ Still have questions?
我們的專業顧問隨時準備為您解答。每個情況都是獨特的，一次保密諮詢往往是最好的開始。 Our specialists are ready to help. Every situation is unique, and a confidential conversation is often the best starting point.