| >Not sure what you mean by that. The first €400K of an inheritance is tax free for children. I'm in France, the tax allowance is €100K per parent. But since a rich parent can give €100K before their death every 15 years, tax free (that was €160K a few years ago, which I benefited of), the 100K allowance is still available at death. Rich parents can give dozens of €K as gifts in addition to that as explained above, so this all adds up for me while others can only expect €100K tax free at most, and once. >I don't follow. If you are gifted stocks directly and you sell them, you gotta pay tax on the gains. If you don't sell, you don't realize gains, but you also can't use the money. If you receive dividends, you have to pay tax on capital gains. My parents made 10x on a few stocks, over a few years. When they gift the stock, they don't realize any gain since they never sold. I must declare their cost as their price on the day of gift. If I sell the stocks the day after and the stock stay flat, I pocket the whole x10 but neither me nor my parent paid any tax on the 10x gains. >But how do your parents get a loan from a bank at negligible rates if it isn't for buying a house or so? Fees for buying stocks on margin are usually higher (and then you could borrow them yourself). https://en.wikipedia.org/wiki/Lombard_credit. This can be negotiated as less than 1% with a few online banks. No need to justify any expenses/investments. |