The Loan Trust is suitable for clients
- Whose estate is likely to be liable to inheritance tax on death, even if maximum use is made of exemptions, reliefs and the nil rate band
- Who are unable or unwilling to make outright gifts as they need (or may need) access to their original capital
- Who have a lump sum available for investment
- Who are willing to forego access to future growth on their investment
- Who want any investment growth to fall outside their taxable estate from day one
- Who are willing to decide now who would benefit from the amount invested and accept that they will not be able to change their decision at a later date
- Who are content that adult beneficiaries could choose to direct the trustees how the funds should be invested and may call for payment of the trust fund at any time
Features & benefits
Not for your client?
Take a look at our other Trust options.
- The investment will be made by the trustees of the Loan Trust
- This trust is designed for use with the Investment Bond
View fund performance, fund prices and fund factsheets
Literature
Download application forms, key features, adviser and client guides from our Fixed Loan Trust literature.
Tools and calculators
Our online tools and calculators can help you make clear recommendations, including reports to support your recommendations and an audit trail for compliance purposes
