Mantra Vitality Log - 以营养智慧贯通健康与财富承传 / Empowering health and wealth legacy through nutritional wisdom

友邦保险（AIA）与波士顿谘询公司（BCG）合作调查分析：

－、友邦保险（AIA）指出长寿规划呈「知行落差」

1. 整体就绪度有待提升：调查显示高净值群体的长寿就绪指数仅 62 分，仍处于发展阶段。

2. 高认知却低执行：受访者对长寿健康与财富风险的认知达 74 分，但实际行动准备度仅 54 分。

3. 重财富继承轻健康决策：近八成已安排财富传承，但仅两成针对未来健康管理设立医疗授权。

二、揭示跨代与跨境的整合挑战

1. 跨境面临碎片化痛点：高达 79% 超高净值人士有跨境生活需求，急需能整合多地健康与财富的平台。

2. 接班人培训明显不足：虽重视下一代，但目前仅有 30% 家族已为继承人提供财富管理培训。

3. 健康与财富需合二为一：AIA 建议必须打破壁垒，将健康与财务两大支柱融入同一个家族治理体系。

总结：以「营养管理」贯通健康与传承

1. 科学防病降低财务风险：透过精准营养与科学饮食延长健康寿命，从源头预防慢性病，主动规避因健康失控带来的跨境医疗与财务黑洞。

2. 将营养智慧视为家族遗产：将健康与营养管理纳入传承规划，培育接班人的健康纪律，确保后代兼具守护财富的智慧与强健体魄。

 

A Collaborative Study and Analysis by AIA and Boston Consulting Group (BCG)

I. The "Execution Gap" in Longevity Planning

1. Low Readiness: The HNW Longevity Readiness Index is only 62/100, showing they are still in the developing stage.

2. Awareness vs. Action: Respondents scored 74 in risk awareness, but only 54 in actual preparation.

3. Wealth over Health: Nearly 80% have arranged wealth succession, but only 20% have set up medical directives for future healthcare.

II. Cross-Border & Intergenerational Challenges

1. Cross-Border Fragmentation: 79% of UHNW individuals live cross-border and need an integrated health and wealth platform.

2. Lack of Heir Training: Only 30% of families provide wealth management training for their successors.

3. Health & Wealth Integration: AIA advises integrating health and wealth into a single family governance system.

Summary: Bridging Health & Legacy via "Nutritional Management"

1. Preventive Science: Using precision nutrition to extend healthspan, prevent chronic diseases, and avoid cross-border medical and financial risks.

2. Health as a Legacy: Integrating nutrition and health into succession plans to ensure heirs have both the physical vitality and wisdom to preserve family wealth.

资料来源 / Source of information：https://www.aia.com.hk/content/dam/hk-wise/pdf/aia-alta/zh-hk/aiaalta-hnw-optimal-longevity-index-2026-tc.pdf

 

#OptimalLongevity #WealthAndWellness #PrecisionNutrition #预防医学
#LongevityReadiness