Loan family at AFR (~4.5%), they invest at 8%+, spread grows outside your estate.
Loan large sums to children, grandchildren, or their trusts at the Applicable Federal Rate (~4.5% long-term as of 2024). They invest in real estate, business, or markets earning 8–15%. The arbitrage spread compounds in their hands, outside your estate. No gift tax on properly documented notes. Combine with GRATs and IDGTs for compounded transfer.
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Borrow against cash-value life insurance at guaranteed rates.
Deduct 60–80% of working-interest investment in year 1.
Insure your own business risks — premiums are deductible.
Hedge funds + alternative assets inside a tax-free wrapper.
Sell appreciated assets tax-free + get lifetime income + charitable deduction.
Deduct now at FMV, grant to charity later — skip cap gains.
Lock in the $13.6M estate exemption before 2026 sunset.
Transfer appreciation to heirs with near-zero gift tax.