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Gift trust

Pass on your money in a tax-efficient way

This trust lets you gift your money outright in a tax-efficient way. When you place money in a gift trust, it moves out of your estate after seven years and is exempt from inheritance tax. Any investment growth is outside of your estate from day one. With our Gift Trust, you can also allow payments to be made to your beneficiaries while you’re alive.

Is a Gift trust right for you?

Gift is free from inheritance tax after seven years
You gift your money outright
Any investment growth is free from inheritance tax

What are the risks?

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.

This trust could be right for you if:

  • You want to reduce any inheritance tax after seven years

  • You want to gift your money outright

  • You want to allow payments to be made to beneficiaries while you’re alive

  • You don’t need access to your money

This trust might not be right for you if:

  • You want to access your money

Products that can be used with this trust

 You’ll need one of these products to use with our Gift Trust:

Frequently asked questions

How to get started