Hexagone Group | English/Mandarin Version
Benoit Sureau, Vice President Wealth Management, Hexagone Group 財富管理副總裁
Introduction
簡介
As global citizens who move from country to country following new opportunities, it is important to set yourselves up for your future. Whether it be allocating an education fund for your children or your own retirement fund, the best time to start your financial planning is now. I spoke to Benoit from Hexagone Group who has decades of experience helping the French and other international expatriate communities living in Asia secure their financial future. You can find out more about the services Hexagone Group offers in this Deep Dive interview, available in French, English and Mandarin.
身為跟著新機會在各國之間移動的世界公民，及早為未來做好準備非常重要。無論是為孩子存教育基金，還是為自己規劃退休金，開始理財規劃最好的時機就是現在。這次我訪問了 Hexagone Group 的 Benoit。他累積了數十年的經驗，協助旅居亞洲的法國人和其他外籍人士，為自己的財務未來做好保障。想進一步了解 Hexagone Group 的服務，歡迎閱讀這篇《深度探索》專訪，提供法文、英文及中文版本。
1. Could you introduce Hexagone Group and your role, and tell us what makes Hexagone Group so important for French expatriates?
1. 請介紹 Hexagone Group 以及您的職務，並分享 Hexagone Group 對旅外法國人的重要性。
Hexagone Group is an independent wealth management firm headquartered in Paris, with offices in Shanghai and Dubai. As Vice-President at Hexagone Group, I help French professionals and families in Asia plan for retirement, manage their savings and navigate international tax matters. Having spent more than 20 years in Asia, including several years in Shanghai, I understand the challenges of managing finances across borders. My role is to help clients make informed decisions and build a financial strategy that fits their lives, both abroad and when they eventually return to France.
Hexagone Group 是一家獨立財富管理公司，總部位於巴黎，並在上海與杜拜設有辦公室。 身為 Hexagone Group 副總裁，我協助在亞洲的法國專業人士與家庭規劃退休、管理儲蓄，並處理跨國稅務相關事宜。 我在亞洲生活超過二十年，其中有數年待在上海，深知跨國管理財務的種種挑戰。我的工作是協助客戶做出明智的決定，建立符合自身生活的財務策略，無論是旅居海外期間，或是日後返回法國。
2. What are the most common blind spots you see in how French expatriates in Asia plan their finances?
2. 在您看來，旅居亞洲的法國人在財務規劃上最常見的盲點是什麼？
One of the biggest issues is retirement planning. Many people don't know exactly what pension rights they have accumulated in France or how their years abroad may affect their future income. I also meet people with substantial savings sitting in cash without a clear long-term plan. Tax is another important consideration, especially when moving between countries or returning to France. My advice is to take a step back and look at the bigger picture: retirement, savings, tax and family plans. A little preparation today can make a real difference later. One of the biggest issues is retirement planning. Many people don't know exactly what pension rights they have accumulated in France or how their years abroad may affect their future income. I also meet people with substantial savings sitting in cash without a clear long-term plan. Tax is another important consideration, especially when moving between countries or returning to France. My advice is to take a step back and look at the bigger picture: retirement, savings, tax and family plans. A little preparation today can make a real difference later.
最大的問題之一是退休規劃。許多人並不清楚自己在法國累積了哪些退休金權益，也不了解旅外的這些年可能對未來收入造成什麼影響。 我也常遇到有人手上有可觀的儲蓄，卻全部以現金存放，沒有明確的長期規劃。稅務也是需要重視的一環，尤其是在不同國家之間移居，或是返回法國的時候。 我的建議是退一步，從整體來看：退休、儲蓄、稅務與家庭規劃。今天稍做準備，日後就能帶來很大的不同。
3. For a French national living in Taiwan, what should they understand about their retirement, both their French pension rights and options such as retraite par capitalisation and the CFE?
3. 對於住在台灣的法國人來說，在退休方面應該了解哪些事？包括法國退休金權益，以及提存式退休儲蓄（retraite par capitalisation）與 CFE（Caisse des Français de l'Étranger，法國旅外人士社會保險機構）等選項。
Start by checking your French pension record and understanding the rights you have already accumulated. Working in Taiwan does not automatically mean losing existing French pension rights, but the impact of overseas employment depends on your situation. The CFE may also be worth considering, although health coverage and pension arrangements are separate matters. Finally, building personal savings through regular investments can help complement your future pension. The key is to plan early, taking into account your career, tax situation and where you expect to retire.
首先，請確認您的法國退休金紀錄，了解自己已經累積了哪些權益。在台灣工作並不代表會自動失去既有的法國退休金權益，但旅外工作帶來的影響，仍取決於個人情況。 CFE 也值得考慮，不過醫療保障與退休金安排是兩件不同的事。 最後，透過定期投資累積個人儲蓄，有助於補足未來的退休金。關鍵在於及早規劃，並將職涯發展、稅務狀況，以及預計在哪裡退休一併納入考量。
4. Many expatriate families plan for their children to attend university in France or elsewhere. When should they start preparing, and what approaches work best?
4. 許多旅外家庭計畫讓孩子到法國或其他國家念大學。應該從什麼時候開始準備？哪些做法最有效？
My advice is to start as early as possible. International education can be expensive, with tuition, accommodation, living expenses and travel all adding up. Regular savings contributions can make the cost easier to manage. The investment strategy should reflect the time available: a longer horizon allows more room for growth, while protecting the capital becomes increasingly important as university approaches. Plans can change as children grow up, so flexibility matters too. Starting early gives families more choices and avoids having to find a large amount of money at the last minute.
我的建議是越早開始越好。國際教育的花費相當可觀，學費、住宿、生活費和交通費加起來是一筆不小的支出。 定期儲蓄能讓這筆費用更容易負擔。投資策略應配合可運用的時間：時間越長，成長空間越大；而隨著入學時間接近，保本就越來越重要。 孩子在成長過程中，計畫也可能改變，因此保持彈性同樣重要。及早開始能讓家庭有更多選擇，也不必在最後一刻才急著籌措一大筆資金。
5. Having worked with clients in Shanghai, Hong Kong and Dubai, what do you see as specific to the situation of French residents in Taiwan?
5. 您曾服務上海、香港與杜拜的客戶，您認為住在台灣的法國人有哪些獨特之處？
Having worked with French clients in different parts of Asia, I have learned that there is no such thing as a typical French expatriate. In Taiwan, some people work for international companies, others are employed locally, and some run their own businesses. Their pension rights, benefits and tax situations can differ significantly. As in other parts of Asia, savings may be spread across several countries, and a return to France may be part of the longer-term plan. The important thing is to look at each person's situation as a whole rather than apply a standard solution. Financial planning should reflect individual circumstances, family needs and future plans.
在亞洲各地服務法國客戶的經驗讓我體會到，並沒有所謂「典型」的旅外法國人。 在台灣，有些人任職於跨國企業，有些人受僱於本地公司，也有人自行創業。他們的退休金權益、福利與稅務狀況可能有很大的差異。 和亞洲其他地方一樣，他們的儲蓄可能分散在好幾個國家，而回到法國也可能是長期計畫的一部分。 重要的是全面檢視每個人的情況，而不是套用標準方案。財務規劃應該反映個人情況、家庭需求與未來規劃。
6. What is the one piece of advice you would give to a French professional who has just arrived in Taiwan?
6. 對於剛抵達台灣的法國專業人士，您最想給的一個建議是什麼？
Get your finances organised early. Check your French pension rights, understand your tax situation and keep track of your savings across countries. You don't need to have everything figured out immediately. Start with clear priorities, keep some cash available for unexpected expenses and build a regular savings habit. Living abroad offers great opportunities, but a little preparation can help you make the most of them, both during your time in Asia and when you decide what comes next.
盡早整理好自己的財務。確認您的法國退休金權益、了解自己的稅務狀況，並掌握分散在各國的儲蓄。 不需要一開始就把所有事情都想清楚。先訂出明確的優先順序，保留一些現金以備不時之需，並養成定期儲蓄的習慣。 旅居海外充滿機會，而稍做準備，就能幫助您充分把握這些機會，無論是在亞洲的這段時間，或是決定下一步的時候。
