How do the super rich handle their finances? Does Bill Gates' personal bank account actually say "$66,000,000,000.00 available"? I can't imagine him going down to the local Chase Bank to withdraw 50 bucks to pay the cleaner, so what happens instead?

超級富豪如何處理他們的財務(wù)?比爾?蓋茨的個人銀行賬戶真有“66,000,000,000.00（六百六十萬）美元可用”嗎?我無法想象比爾?蓋茨本人會去當(dāng)?shù)氐你y行提取50美元來付清潔工的錢。
那么超級富豪到底是怎么處理這些事的呢?

評論翻譯

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Anonymous
I'm relatively wealthy, not super rich. But I do have an aunt and uncle in the billionaire club, and here are the most interesting observations/answers they've given me about their finances

我只是相對富有，不是超級富有。但是我有一個阿姨和一個叔叔都是億萬富翁，所以以下是他們給我的，關(guān)于他們自己財務(wù)狀況的最有趣的觀察/回答。

The jewelry is fake. It's common to have replicas made of any jewelry that costs over a million dollars. Insurance won't cover keeping it in their homes, so it sits in safety deposit boxes.The real stuff gets taken out for events and galas.

4. 珠寶首飾基本都是假的。富豪們基本上會為他們超過一百萬美元以上的珠寶打造復(fù)制品。他們把假貨放在家里，而把真正的珠寶首飾放在銀行保險箱里。除非有需要，否則他們只有在參加活動和聚會時，才會把真正的東西戴在身上。

I am worth ~$50M so I guess I am qualified to answer this question.
Rich people have various ways to manage their wealth. Some people don't actually manage it. They focus their energy on spending it. For me, I opt for simplicity.
Here is how I divide my investments.

我身價5000萬美元，所以我想我有資格回答這個問題。
富人有各種各樣的方式來管理他們的財富。有些人并沒有真正做到這一點。他們把精力集中在花錢上。而對我來說，選擇很簡單。
我是這樣分配我的投資的。

Franklin Parker
This is a good question, one I thought about before coming to work for an ultra high net worth family.

這是一個很好的問題，我在為一個超高凈值家庭（高凈值家庭，即家庭可投資資產(chǎn)在600萬元人民幣及以上的家庭）工作之前就考慮過這個問題

Firstly, the actual value of the extremely wealthy is almost always tied up in businesses, real estate, jewelery, art, investments and so on. It isn't as though Bill Gates has entire net worth sitting at Chase Bank. Usually, it is a very small percentage which is in cash at any given time. This poses it's own problems, of course, as those assets generate cash constantly, and in very large sums (if they are managed correctly).

首先，超級富豪的實際財富價值幾乎總是與商業(yè)、房地產(chǎn)、珠寶、藝術(shù)、投資等相關(guān)。比爾?蓋茨并非擁有摩根大通的全部凈資產(chǎn)。
通常情況下，在任何給定的時間里，只有占百分比很小的一部分才能夠提成現(xiàn)金。當(dāng)然了，這些資產(chǎn)也在不斷升值，而且數(shù)額非常大(如果管理得當(dāng)?shù)脑?。

Of the big brokerages, Switzerland’s UBS has the biggest share of the private client market, with $1.3 trillion under management, followed closely by Citigroup and Merrill Lynch , each with about $1.1 trillion under management.

在大型券商中，瑞士銀行(UBS)在私人客戶市場的份額最大，管理著1.3萬億美元的資產(chǎn)，其次是花旗集團(Citigroup)和美林證券(Merrill Lynch)，管理著1.1萬億美元的資產(chǎn)。

But there are well-established niche U.S. private banks that have thrived for decades. Some names might be familiar, like Bank of New York Mellon –which bills itself as the first U.S. private bank, at 220 years old–with $162 billion of assets under management, or U.S. Trust, now owned by Bank of America , with $220 billion.

除此之外，美國還有一些已經(jīng)發(fā)展了幾十年的小眾私營銀行。一些名字大家可能很熟悉，比如紐約梅隆銀行(Bank of New York Mellon)，它自稱是美國第一家擁有220年歷史的私人銀行，管理著1620億美元資產(chǎn);或者是美國銀行(Bank of America)旗下的美國信托(U.S. Trust)，管理著2200億美元資產(chǎn)。

Northern Trust in Chicago, with $145 billion of wealthy-client assets, lays claim to 22% of the Forbes 400 as clients

芝加哥的北方信托公司擁有1450億美元的客戶資產(chǎn)，在福布斯400富豪榜上占有22%的客戶。

Then there are less well-known companies, mostly because they work hard at being low-key, including Harris Bank (a unit of BMO Financial), with $50 billion; New York’s Bessemer Trust, with $51 billion; and Philadelphia’s Glenmede Trust, with $21 billion.

其次是一些知名度較低的公司，知名度低主要是因為它們努力保持低調(diào)，包括擁有500億美元資產(chǎn)的哈里斯銀行(Harris Bank, BMO Financial蒙特利爾銀行金融集團的子公司);紐約貝西默信托擁有510億美元;還有費城的格倫梅德信托，擁有210億美元。

Family offices are popular among the super-wealthy, who can afford to hire their own staff of professional, full-time lawyers, accountants and investment planners. To make it worthwhile, though, a family running its own family office has to have at least $100 million just to afford the fee on assets they have to pay each year–around .5%–to keep things running, and that doesn’t include the money management fees.

家族理財辦公室在超級富豪圈中很受歡迎，他們有能力聘請屬于自己的，專業(yè)的，全職律師、會計師和投資規(guī)劃師。
不過，為了更劃算些，一個經(jīng)營自己家族理財辦公室的家庭必須至少擁有1億美元，才能支付每年大約0.5%的資產(chǎn)管理費，這還不包括資金管理費。

Families with less than $100 million can band together in “multifamily” offices that combine the resources and divide the costs. This is the function some of these banks and brokerages have been trying to fill.

不到1億美元的家庭，可以多個聯(lián)合起來共同聘請一個家庭理財辦公室，這樣可以合并資源并分擔(dān)費用。這也是一些銀行和券商一直試圖填補的職能。

（小編在想要是我是超級富豪，我應(yīng)該會給龍騰網(wǎng)友每人10萬吧，手動開心）