In an increasingly complex world, shaped by rapid advancements in AI, evolving geopolitical
landscapes, and dynamic economic shifts, parents today face unprecedented challenges in preparing
their children for a secure and prosperous future. At DBS Treasures, we understand these concerns and
are dedicated to providing the "wealth intelligence" to enhance your life. Our comprehensive wealth
management services are meticulously designed to help you navigate these uncertainties, ensuring a
brighter future for your loved ones.
In February 2026, we invited 800 parents in Hong Kong and Mainland China with over HK$1M in liquid assets to take part in the "DBS Treasures Affluent Family Survey 2026". Their answers gave us insights
into how we can empower parents to plan their children’s education, nurture their aspirations and pass
on wealth that can last for generations.
Here is an overview of what the survey uncovered.
Parents are preparing children not only for success, but for resilience, independence and a more
global future
- Resilience and self-reliance matter most :
Resilience is now the top parental aspiration, cited by 69%
of parents, followed by financial independence
at 57%.
- Early Financial Foundation :
94% of parents see financial literacy as essential
to a child’s upbringing, and 67%
believe it should begin by age 13 or earlier.
- Global Educational Horizons :
91% of parents are open to overseas education.
Mainland China parents favour Hong Kong and Singapore, while Hong Kong parents lean towards
the UK and Australia / New Zealand.
Focus of next generation future readiness is bringing wealth transfer planning forward
- Mainstreaming inheritance :
Leaving a financial legacy is widely seen as important, especially in the
Mainland China (90%) versus Hong Kong (74%).
- Intent is strong, but execution lags :
Only 29%
of families have a comprehensive wealth transfer plan,
with most still partially prepared or at the intention stage. - Earlier and More Substantial Planning :
31% of parents begin planning while children are still in
school.
Those with plans or planning intent expect to pass on HK$5M
in liquid assets on average.
Affluent parents are seeking trusted guidance and holistic solutions
- Professional advice is preferred :
75% of parents are likely to seek professional advice
in the next 12 months, rising to 88% in the Mainland China and 67% in Hong Kong. - Banks are the preferred partner :
93% of parents open to advice would consider a bank offering
a more comprehensive and flexible wealth transfer solution.
- Approaches differ, but priorities align :
Mainland China parents are more inclined to use investments
and life insurance for inheritance planning, while Hong Kong
parents rely more on savings.
Across both markets, however, flexibility (62%) and control over the timing of wealth
transfer (56%) remain the leading priorities, emphasizing the desire for tailored and
adaptable strategies.
