I will set up a trust fund (you only need $1 million to do that) and give instructions to invest using a robo-advisor or S & P 500. The average returns will more than cover the fees for the trust fund and allow the fund to grow. Then the trust fund will help to fund my descendant's education and help them when a recession occurs or pay deposit for a modest home.
If I leave everything to my children and descendants and they marry and get divorced, the assets will be split due to Women's Charter. Or they may 败家 and squander all of it away, which is what happened with the Vanderbilts in USA.