Mantra Vitality Log - 以營養智慧貫通健康與財富承傳 / Empowering health and wealth legacy through nutritional wisdom

友邦保險（AIA）與波士頓諮詢公司（BCG）合作調查分析：

－、友邦保險（AIA）指出長壽規劃呈「知行落差」

1. 整體就緒度有待提升：調查顯示高淨值群體的長壽就緒指數僅 62 分，仍處於發展階段。

2. 高認知卻低執行：受訪者對長壽健康與財富風險的認知達 74 分，但實際行動準備度僅 54 分。

3. 重財富繼承輕健康決策：近八成已安排財富傳承，但僅兩成針對未來健康管理設立醫療授權。

二、揭示跨代與跨境的整合挑戰

1. 跨境面臨碎片化痛點：高達 79% 超高淨值人士有跨境生活需求，急需能整合多地健康與財富的平台。

2. 接班人培訓明顯不足：雖重視下一代，但目前僅有 30% 家族已為繼承人提供財富管理培訓。

3. 健康與財富需合二為一：AIA 建議必須打破壁壘，將健康與財務兩大支柱融入同一個家族治理體系。

總結：以「營養管理」貫通健康與傳承

1. 科學防病降低財務風險：透過精準營養與科學飲食延長健康壽命，從源頭預防慢性病，主動規避因健康失控帶來的跨境醫療與財務黑洞。

2. 將營養智慧視為家族遺產：將健康與營養管理納入傳承規劃，培育接班人的健康紀律，確保後代兼具守護財富的智慧與強健體魄。

 

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.

資料來源 / 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 #預防醫學
#LongevityReadiness