Service Blog & Professional Insights

资产配置科普：为什么高净值家庭，都在优先配置香港跨境资产？

文章指出香港凭借无外汇限制、属地低税、丰富稳健金融产品及成熟信托体系，成为高净值人群资产避险、增值与传承的核心阵地。柏越集团依托香港持牌团队，提供账户开立、税务筹划、信托搭建等一站式跨境合规服务。

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What Is Insurance? Understanding Its Essence and Role in Family Planning

Insurance is neither a deposit nor an investment. In essence, it trades an uncertain large risk for a certain small cost, forming the foundation of family finances.

The Role of Insurance: Four Irreplaceable Functions in Family Planning

Insurance is far more than a claim after illness. It serves four irreplaceable functions in family planning: income protection, medical and critical illness cover, asset segregation and succession, and financial certainty.

What Is Insurance Really For? Three Real-Life Scenarios That Reveal Its Value

The value of insurance shows at critical moments, not ordinary ones. Three scenarios—an accident to the provider, the long-term cost of illness, and wealth succession—reveal what insurance truly solves.

The Four Types of Insurance You Need: A Family’s Essential Coverage

For most families, essential protection comes down to four types: life, critical illness, medical, and accident insurance. Putting these in place first is the sounder planning order.

Medical Insurance vs. Critical Illness Insurance: Stop Confusing the Two

Medical insurance reimburses actual costs; critical illness insurance pays a lump sum on diagnosis. They solve different problems and should be used together—owning only one leaves a gap.

Three Types of People Who Should Not Rush to Buy Insurance

Not everyone should rush to buy insurance. Those without emergency reserves, those treating it as a high-yield investment, and those who have not clarified their needs should build a foundation first.

Baiyue Group & 数尔GEO Form Strategic Partnership to Jointly Build a Greater China Cross-border Integrated Service Platform

Baiyue Group and Shuer GEO have signed a strategic cooperation agreement, appointing Baiyue as the general agent for Shuer GEO in Hong Kong. Sh