Stephen Tse’s father passed away yesterday.

After reading Tse Tse-hing’s will and the trust arrangement behind it, I instantly understood the elder’s deepest considerations. Instead of directly handing large amounts of assets to the children, he built three layers of protection—protective nets—to give the grandchildren the confidence to grow up steadily.
There are so many regrets in real life: the father left savings to the mother, but the child suffered from a divorce and remarried due to custodianship, then squandered money with willful intent, causing the family assets to flow outward.
“Insurance trust” is the “financial protection and prosperity shield” for ordinary people. The funds are specified in advance to be used only for the children’s education and medical care. It isolates the risks of divorce, separation, and debts. No matter how the future unfolds, the guarantee left for the children will never be taken away by outsiders.
The best love isn’t a one-time check for how much money—it’s using a system to protect them and keep them secure for life.