Product Estate Planning Gift And Loan Trust 680X392

Gift and Loan Trust

Inheritance tax planning with access to your money

Introducing our Gift and Loan Trust

With this trust, you loan the trustees a lump sum, on an interest-free basis. As it’s a loan to the trust, you’ll get unlimited access to the outstanding loan, taking regular or ad hoc payments. The outstanding loan stays inside your estate so is in scope for inheritance tax. However, you won’t need to pay inheritance tax on any investment growth.

Key benefits

Coins
Take regular or ad-hoc payments
Money 3
Investment growth is free from inheritance tax
Flexibility
Flexibility over who receives the money and when

The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on the type of investment and individual circumstances and may change.

Is it right for me?

This trust could be right for you if:

  • You want inheritance tax planning and access to your money
  • You want to take regular or ad hoc withdrawals
  • You want the option for beneficiaries to receive payments while you’re alive

This trust might not be right for you if:

  • You want to access the investment growth
  • You want to loan the money for less than five years

Bonds that can be used with this trust

Find out more about the investment bonds that can be used with this trust:

Risks to consider

The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on individual circumstances and may change.

This product has won 2 awards.

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