A Letter to My Children: Inheriting My Gold and Silver Stack

When the day comes that I'm no longer here, my children will be left with many things—memories, lessons, and, of course, my gold and silver stack. I’ve always believed in the value of preparing for the future, and part of that preparation is making sure theyre not only financially secure but also aware of the choices I made with them in mind. The precious metals I’ve collected over the years are not just pieces of gold and silver; they’re a safeguard, a legacy meant to protect my kids.

Unlike other forms of wealth, such as stocks or property, precious metals are unique. Gold and silver don’t ride the same waves of volatility. They hold their value through thick and thin, through economic shifts, political changes, and whatever the world throws at us. They are, quite simply, solid. When you inherit my stack, you’re not just receiving metal—you’re receiving stability, something tangible that has been a reliable store of value for centuries.

You might hear a lot about inheritance tax and how it can eat into estates, but don’t worry. I’ve planned carefully, and the stack will work in your favor. Some of the coins you’ll find, like the Britannias and Sovereigns, are UK legal tender and, importantly, exempt from Capital Gains Tax (CGT). This means that when the time comes, you won’t be hit with taxes that would otherwise chip away at your inheritance. I’ve chosen these coins with that exact purpose in mind—so you get the full benefit without unnecessary financial burdens.

There’s also something I’ve done to ensure that you can start benefiting from the stack even before it becomes yours. Over the years, I’ve been mindful of gifting some of the precious metals within limits, reducing the estate’s taxable value. By doing so, I’ve tried to lessen any inheritance tax (IHT) that might otherwise apply. It’s a practical approach, but beyond that, it’s my way of passing on something meaningful while I’m still here to see it take shape. The plan is simple: a £3,000 annual gift, doubled with your mum’s help, which can be carried forward if unused. It’s a small but steady way of ensuring that the metals, like the lessons I’ve taught you, reach your hands without the heavy burden of tax.

In the end, these gold and silver coins are more than just investments—they’re part of the future I want you to build. They represent security, independence, and the choices we’ve made as a family to protect what we have. I hope they offer you the same sense of stability they’ve given me, and more importantly, I hope they remind you of the values I’ve tried to live by: patience, preparedness, and a long-term vision for the future.

40+yr old, trying to shift a few pounds and sharing his efforsts on the blockchain. Come find me on STRAVA or actifit, and we can keep each other motivated .

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