A real-life scenario many families never imagine until it’s too late.
A wealthy couple lived a comfortable life. The husband was the sole breadwinner, financially capable and hardworking. Every month, he gave his wife a generous allowance for household expenses. Because the money always flowed steadily, the wife never worried about budgeting — she simply trusted that the next month would be the same as the last.
Their children studied in reputable universities, funded fully by the father. Education, housing, and lifestyle were all well taken care of.
The husband believed he had done everything correctly. He prepared a Will, clearly stating how his wealth should be shared between his wife and children. He thought:
“I have enough money. Insurance isn’t necessary. My wealth will protect my family.”
The Day Everything Stopped Moving
One morning, the husband suddenly fell into a coma due to a serious medical condition. He was alive — but unable to communicate, work, or manage anything.
That was when the real issue surfaced:
- The husband’s personal bank accounts were legally frozen.
- The Will could not be executed because a Will only takes effect upon death, not during incapacity.
- Joint properties still required ongoing loan payments.
- The family’s monthly expenses continued, but no money could be accessed.
The wife brought the Will to the executor, hoping it would solve everything. But legally, nothing could be done until the husband passed away.
She suddenly had zero access to the wealth her husband spent decades building.
A Silent Risk Many Families Overlook
Many individuals think:
“I have properties, cash, and investments. That’s enough to protect my family.”
But during incapacity, assets may be untouchable, even if you are wealthy.
How Joint Unit Trust Investments Could Have Helped
If the husband had held unit trust investments under joint ownership with his wife, she could have:
- Withdrawn funds within 3–5 working days
- Obtained immediate liquidity for expenses
- Continued paying loans, education fees, and daily costs
- Avoided unnecessary financial stress during a difficult time
Unit trust investments are not just long-term wealth tools — they can also provide practical accessibility during emergencies.
Final Thought
Wealth alone does not guarantee protection.
Accessibility, structure, and planning matter just as much.
This scenario is for general educational purposes. Every family’s situation is unique, and proper planning requires advice from qualified professionals to ensure wealth remains accessible when needed most.
财富不是问题，但”能不能拿到钱”才是关键
这是许多家庭从未想过，却真实发生的情况。
一对富裕的夫妻过着稳定的生活。丈夫是唯一的经济来源，收入充足，每个月都会给太太一笔可观的家用。太太习惯了这样的日子，从不担心理财，因为她相信：”下个月丈夫还会给，钱一定够用。”
孩子们在名牌大学就读，所有费用由父亲承担。生活、房贷、教育一切都安排得很好。
丈夫也认为自己做得很周全。他立了遗嘱，把财产清楚分配给妻子和孩子。他心里想： “我这么有钱，不需要保险。我的财富足够保护家人。”
当一切突然停下来
有一天，丈夫因严重疾病突然陷入昏迷。他活着，但无法沟通、无法工作、无法处理任何事务。
这时，真正的问题才开始浮现：
- 丈夫的个人银行账户全部被冻结
- 遗嘱无法执行，因为遗嘱只在死亡后生效，昏迷不算
- 名下房产（即使联名）仍需继续偿还贷款
- 生活开销、学费持续不断，但钱却无法动用
太太拿着遗嘱去找信托公司，希望能提取钱来度过难关。但法律上，她必须等丈夫离世后才能执行遗嘱。
她突然发现：丈夫辛苦赚来的财富，她一分钱都拿不到。
这是许多家庭都忽略的风险
很多人以为：
“我有钱、有资产、有房产，已经够了。”
但当一个人失去行为能力（昏迷/中风/瘫痪），这些财富可能完全无法使用。
如果丈夫当时有联名的单位信托投资
情况就完全不同了。只要投资是联名持有，太太就能：
- 在 3–5 个工作日内提取资金
- 立即解决生活费用、房贷、孩子学费
- 避免在困难时期承受额外压力
- 让家庭度过难关，不至于陷入财务危机
单位信托不仅是投资工具，在紧急情况下更能提供快速、合法、可使用的现金流。
结语
真正保护家庭的，不只是财富本身，而是财富的可用性、结构性和规划方式。
以上故事仅为教育用途的情境示例。每个家庭情况不同，合适的规划需要向相关专业人士咨询，以确保当意外发生时，家人能真正用到他们需要的那笔钱。