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  • 5/17/2016 With love, from grandma and grandpa  Livemint

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    17 May 2016 | E-Paper

    Home » Money

    Last Modified: Tue, May 17 2016. 09 19 AM IST

    Rashmi Aich

    With love, from grandma and grandpaApart from a Will or a Trust, grandparents can also use financial products tobequeath to grandchildren

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  • 5/17/2016 With love, from grandma and grandpa  Livemint

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    Most people wish to leave a legacy behind after they are gone. It could be for

    children, or even grandchildren. Many buy assets or make investments while

    mentally allotting these to a grandchild. But this may not be enough. A proper

    succession plan is needed if you want your assets to go to specific people, which

    includes grandchildren. This is because without clear instructions mentioned, say,

    in a Will, succession laws will apply, which may or may not be in accordance with

    your wishes. Therefore, if you want to bequeath something to your grandchild, a

    proper succession plan is needed.

    While most people think about this in terms of immovable assets, one can also use

    other investment options. This is easier to do now as rules regarding minors

    operating some products such as bank accounts and fixed deposits have changed,

    and more products have also been introduced. Here’s a look at some ways—new and

    old—in which a grandparent can bequeath to a grandchild.

    Through Will or Trust

    The two most popular ways to bequeath immovable assets, such as a self-owned

    property, to grandchildren are via a Will or a Trust. A Will is a legal declaration of a

    person’s intentions, which she wishes to be performed after her death. It regulates

    the process of passing on assets and provides for succession as declared by the

    testator (the person whose Will it is).

    “Grandparents like to keep some portion of movable and immovable assets for their

    grandchildren. It is important to highlight the same in a Will created by them,” said

    Dilshad Billimoria, certified financial planner, and director, Dilzer Consultants Pvt.

    Ltd.

    In India, succession laws are determined by the faith that the testator follows. So,

    this factor plays a big role in the way assets are divided or a Will is prepared and

    executed.

    “In the case of Hindus, Christians, Parsis, Jains, Sikhs and Jews, the Will would have

    to be executed and attested in the manner set out in the Indian Succession Act,

    1925,” said Marylou Billawala, partner, Wadia Ghandy & Co. Advocates, Solicitors and

    Notaries.

    “For Mohammedans, the general rule (with certain exceptions) is that a

    Mohammedan cannot bequeath more than one-third of his or her assets by way of a

    Will. Therefore, even if the bequest is to a grandchild or grandchildren, in the case of

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  • 5/17/2016 With love, from grandma and grandpa  Livemint

    http://www.livemint.com/Money/Ar88eUAW19pRxzk4mL7ljP/Withlovefromgrandmaandgrandpa.html 3/12

    Mohammedans, it cannot be more than one-third of the assets of the

    testator/testatrix, and in some cases, for example, in the case of Sunnis, even this

    one-third bequest to a grandchild would require the consent of other heirs,” she

    added.

    A good way to start preparing a Will is by listing out all your assets and clearly

    putting down the names and percentage of assets to be allotted to each grandchild,

    so that any conflict at a later stage can be avoided.

    “Things to be kept in mind while updating the Will is division of assets and property

    among children and grand children with proper names and percentage allocation.

    Treatment of residual assets and manner of division of the same is also an

    important point to note,”said Billimoria.

    Ensure that your Will is executed in the manner prescribed as per law. “If certain

    heirs are being excluded and a preference is being given to a certain grandchild,

    then it is possible that the excluded heirs may challenge the validity of the Will. So

    the testator or testatrix needs to ensure that adequate precautions are taken so that

    the challenges can be properly dealt with at the relevant time and the bequest is

    upheld as legal and valid,” said Billawala.

    A Trust is different from a Will. It is a fiduciary arrangement that allows a third party

    (or trustee) to hold assets on behalf of beneficiaries. Trusts can be arranged in many

    ways and can specify exactly how and when the assets are passed to the

    beneficiaries.

    A private Trust may be useful in scenarios where there is a lot of wealth involved

    and a long time gap between creating a succession plan and the beneficiary

    receiving the assets.

    “It is important to make sure that the beneficiary receives the assets at the right age.

    A private Trust can help in addressing this issue as even if the grandparent or

    settler dies when the beneficiary grandchild is a minor, the money would continue

    to be managed in the Trust till the child reaches an age where she is wise enough to

    handle the money,” said Amit Pathak, managing director, Warmond Trustees and

    Executors Pvt. Ltd.

    Through investments

    Apart from immovable or moveable assets, grandparents can also make

    investments for their grandchildren. One such instrument is mutual funds.

  • 5/17/2016 With love, from grandma and grandpa  Livemint

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    “This enables the money to grow in a safe and profitable way until the child grows

    up and needs it for higher education or other purposes. Grandparents are allowed to

    invest in any mutual fund in their grandchildren’s names,” said Srikanth Meenakshi,

    co-founder and chief operating officer, FundsIndia.com. Some fund houses offer

    children gift funds, which can be bought in the name of child, a relative’s child or a

    grandchild. The fund allows third-party cheques to be deposited. In other funds,

    there is a limit of Rs.50,000 per investment via third party cheques but children gift

    funds don’t have such a cap. So, a grandparent can invest in the fund but the

    unitholder will be the grandchild.

    The money is usually locked in till the beneficiary turns 18, after which the money

    goes into the minor-turned-major child’s bank account. Investments can be made

    only in the name of the minor child, and money can be invested any time before the

    child turns 18. Moreover, these funds usually come with high exit loads to

    discourage premature withdrawals.

    “The specific funds labelled as children’s gift funds provide an asset allocated

    structure as well as options like lock-in periods, which could make it easier to use

    for this purpose,” said Srikanth. Evaluation of such a fund is the same as for any

    fund. Look for consistency of performance relative to the asset allocation structure.

    Like any other mutual fund option, there are equity-oriented (aggressive) and debt-

    oriented funds. “Depending on how old the grandchild is and how many years there

    are left to go, say, before college, one can go for either option. The younger the child,

    the better it would be to go with an aggressive fund,” said Srikanth.

    Mint Money usually does not recommend children-specific schemes, as other funds

    can also help you reach the goal.

    There are other ways as well to invest for a grandchild. “Bequeathing (to

    grandchildren) can be done through bank accounts in the name of the minor with a

    parent as guardian. They can also propose life insurance in the name of parents

    with grandchildren as nominee,” said Prakash Praharaj, founder, Maxsecure

    Financial Planners.

    One can invest for a minor grandchild with her parents’ involvement as well.

    Investments through minor accounts in Public Provident Fund (PPF) and National

    Savings’ Certificate can also be opened for the purpose, added Praharaj. You could

    contribute in a fixed deposit for a minor, where the parent is a guardian. “The

    amounts can be withdrawn by the child after she becomes a major. The amount

    cannot be withdrawn by the parents after the child becomes major,” he said. In some

    cases, if the minor attains majority on or before the due date of the deposit, the

  • 5/17/2016 With love, from grandma and grandpa  Livemint

    http://www.livemint.com/Money/Ar88eUAW19pRxzk4mL7ljP/Withlovefromgrandmaandgrandpa.html 5/12

    Rashmi Aich

    First Published: Mon, May 16 2016. 07 34 PM IST

    amount will be paid only to the erstwhile minor and not to the guardian.

    Things to keep in mind

    Like all financial goals, start early when planning for succession for a grandchild

    also. Earmark major events in your grandchild’s life, such as higher education or

    marriage, and make specific allocations in a Will or include related stipulations in a

    Trust. Some financial instruments can also be timed in such a way that their

    maturity matches the timing of the grandchild’s needs.

    Apart from this, it’s important to communicate to your grandchildren and the

    parents about the succession plan. “I do not think the problem is in the planning; it

    is in the communication,” said Lovaii Navlakhi, founder and chief executive officer,

    International Money Matters Pvt. Ltd. “When do you inform the grandchild of the

    availability? Should you inform the parents first? How does this knowledge affect

    the thinking of grandchildren—do they feel more motivated to work towards, say, an

    admission to Harvard; or does it make them lose their energy and initiative because

    they do not need to worry financially?” he added.

    There may also be exceptional situations in which a child’s needs have to be

    safeguarded. For example, when a child is entangled in a financial tussle between

    divorcing parents. “A Trust can be built for a long-term bequeathing process, where

    the grandchild will continue to earn income from it till a very late age, for example,

    40-45 years. In this way, the beneficiary can only be the grandchild, and she can be

    insulated from the effects of a legal tussle between parents,” said Pathak.

    Also be mindful of when the grandchild will receive the benefit. Bequeathing at the

    right age is important. Someone getting a high-value asset at a young age might not

    have the financial wisdom to properly channelise it.

    While most people use Wills and Trusts to bequeath assets, with new products and

    rules in place, you can also choose certain financial products to leave behind a

    legacy for your grandchildren.

    TOPICS: SUCCESSION PLAN GRANDPARENTS GRANCHILDREN

    BEQUEATHING WILL

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  • 5/17/2016 With love, from grandma and grandpa  Livemint

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  • 5/17/2016 With love, from grandma and grandpa  Livemint

    http://www.livemint.com/Money/Ar88eUAW19pRxzk4mL7ljP/Withlovefromgrandmaandgrandpa.html 11/12

    NEET: Centre signals rethink but states divided on Supreme Court order

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  • 5/17/2016 With love, from grandma and grandpa  Livemint

    http://www.livemint.com/Money/Ar88eUAW19pRxzk4mL7ljP/Withlovefromgrandmaandgrandpa.html 12/12