28/05/2026
Adding to Your Trust Can Cost You Thousands in Tax 🇬🇧
You can add money to a trust without restarting the seven-year clock. But should you? Normally, no.
Each addition is a separate transfer that cumulates against your £325,000 nil-rate band. Go over, and you trigger a 20% immediate tax charge.
Even worse: the 14-year rule can pull older additions back into your tax calculation. Poor timing = tens of thousands lost.
Want to know the rules before you top up your trust? Read our full article - link in bio 🔗
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