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27.07.2023

Why Onshore Bonds and Trusts are the perfect partners

Nadia Khan DipPFS Cert CII (MP)

Nadia Khan DipPFS Cert CII (MP)

Wren Sterling

Financial Adviser, Mortgage Adviser, Will & Estate Planner, Investment & Wealth Manager, Pension Adviser

Why placing an onshore bond into a trust is so much more than IHT planning.

For 73% of people, the most important thing when gifting money is ensuring the right person in the family receives it. The other, is that people want to avoid HMRC receiving it. Therefore, trusts are a financial planning tool every individual should be considering, given the exceptional value they can deliver.

Trusts help you mitigate tax and give you control over how and when wealth is distributed.

With the ever increasing possibility of a general election, IHT is likely to be a key battleground. Whilst some may lobby for more generous IHT treatment or even suggest the removal of IHT, history tells us the taxation landscape rarely gets more generous!

Why should I place an onshore bond into a trust?

Using onshore bonds inside a trust is a real financial planning sweet spot, as they can deliver more advantages than other solutions held inside a trust.

Not only distributions to beneficiaries are very tax-efficient, they can be easier for trustees to administer as there is no income for trustees to report. Plus, holding a bond in Trust can offer many flexible distribution options via assignments.

Individual policy segments within a bond can be assigned to a beneficiary easily and quickly, whether this is to a achieve a beneficial tax outcome or avoid probate delays.

Trust Planning
IHT
Onshore and offshore Bonds
payout

Nadia Khan DipPFS Cert CII (MP)

Nadia Khan DipPFS Cert CII (MP)

Wren Sterling

Financial Adviser, Mortgage Adviser, Will & Estate Planner, Investment & Wealth Manager, Pension Adviser

I am an Independent Financial and Mortgage Adviser and have worked in Financial Services for over 12 years. During my career I gained experience in assisting both individual and corporate clients.…

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