Estate Planning Our Trusts Controlled Access Account Generations 1360X784

Controlled Access Trust

Passing on your wealth to a child

Introducing our Controlled Access Trust

Sometimes it can be a challenge to leave money to a child or grandchild under the age of 18. With our Controlled Access Trust, you can gift money to a child in a tax-efficient way and decide the age you want them to receive the money – this can be anytime up to the age of 49.

Key benefits

Money 5 54
Decide the age the beneficiary can access the money
Children's Saving
Use the investment for the beneficiary before they’re 18
Gift Perks
Gift is free from inheritance tax after seven years
Money Bag
Gift over £325,000 without an immediate tax charge

Is it right for me?

This trust could be right for you if:

  • You’re aged between 18 and 89
  • You have at least £50,000 to invest
  • You want to gift money to a child beneficiary but maintain control
  • You don’t want the beneficiary to automatically get the money when they reach 18
  • You don’t want the beneficiary to cash-in the policy before it ends

This trust may not be right for you if:

  • You have less than £50,000 to invest
  • You want to be able to access your money at any time
  • You might want to change the beneficiary in the future
  • You might want to add more money to the trust at a later date

What are the risks?

The way investments have performed in the past is not a guide to how they’ll perform in the future.

This product has won 2 awards.

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Fund Centre

Fund centre

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Tools and resources

Pension tax calculator

Find out the amount and percentage rate of income tax you’ll need to pay on any pension funds you withdraw.

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Budget planner

This online tool looks at your income and outgoings to help you understand and manage your budget.

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Also worth knowing

Next steps

 

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Contact customer services

+44 1624 820 200

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