Estate Liquidity
The cash your estate would need immediately, and the value a forced sale of illiquid assets could destroy.
Inputs
Cash needed at death
What's available
Illiquid assets
How this is calculated
Cash needed = debts/fees + tax owed, regardless of how much wealth sits in illiquid assets. Shortfall = cash needed minus liquid assets and existing life cover. If the shortfall must be raised by selling illiquid assets quickly, the forced-sale discount estimates the value destroyed — the loss life insurance liquidity avoids.
Estimate
Cash needed
HK$1,500,000
Shortfall
HK$1,200,000
Forced-sale loss if uncovered
HK$240,000
For information only. Not advice, recommendation, or solicitation. Data has not been independently verified — always verify directly with the authorised intermediary or fund provider before making decisions.