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Give more to your loved ones and your favourite charities

Make a meaningful difference

When the time comes, you want to leave a legacy that not only reflects your wishes, but also provides your loved ones with better financial outcomes.


You can – by making a difference to your favourite charity and remembering them in a specific way with a YFC Codicil (Your Family and Charity Codicil).

Crucial component of effective estate planning

For estates with net assets over R3.5 million

Eliminates tax on tax

By structuring your estate duty correctly

Heirs can receive up to 8% more

Depending on your chosen generosity factor

Favourite charities benefit from tax savings

Without taking away from your heirs' inheritance

How the YFC Codicil creates a more efficient tax structure

The traditional estate administration approach

  • Estate duty is assessed on the assets remaining after estate liabilities, estate administration costs and the tax-free assets of R3.5 million have been deducted

  • The estate duty is included in the remaining assets 

  • The estate ends up paying tax on tax as a result

The YFC Codicil approach

  • It specifies what heirs receive, leaving a residue in the estate from which the estate duty and charity benefit must be paid

  • The residue is a deduction before taxation

  • The residue to the charity is tax deductible

  • Tax is always paid first from the residue and the rest is left for your charity

Choose a charity and generosity factor

Your charity needs to be a recognised Public Benefit Organisation (PBO) in order for your estate to receive the tax benefit.


You need to choose a generosity factor from 1 too 100, which is a percentage of the amount left in the residue after the estate duty has been paid.

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See how it works

Include the tax-free amount of R3.5 million in your net assets


YFC Codicils are risk-free

100% Confidential

You don't need to ever disclose your wealth, heir or will details

100% Guaranteed

Your heirs will never receive less than they would have under your original will

100% legal

The precedence is per court judgment

100% Tested

Has successfully been used in assessed estates