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How can I divide my estate fairly between daughters and grandchildren?

479 replies

Ilikesundays · 03/07/2026 22:15

Would really appreciate your views! I’m in my 80s and have three dds and 7 gcs. All are over 20. Two dds are married: one has 3 DCs and one has 4. Youngest dd is unmarried and has no children. I want to make my will and be fair to all of them. I was thinking of leaving all my property (f/h house, no mortgage in London + fairly substantial savings) to the gcs + the unmarried dd and nothing to the two married DDs. But on reflection this seems very harsh and unfair to them . How would you manage it? They are all working, bar two gcs who are still studying p/g.

OP posts:
OneNewEagle · 03/07/2026 23:23

You divide equally between your three daughters.

ExOptimist · 03/07/2026 23:22

In my family people split their estates equally between their children, nothing to great/ grandchildren. It's the only way to be fair and not cause resentment.

You need to completely disregard the financial situations of your children. People can lose jobs or become ill for example and lose their well-off lifestyles. Or people who might not own a home by middle-age because they were lazy and pissed around their whole life shouldn't be rewarded for their lack of effort. Or people's marriages can break down causing changes in financial circumstances. Just examples of what can happen.

For that type of reason do an equal split between your 3 daughters and let them decide if they want to give any to their own children. Otherwise you could be causing all sorts of problems.

People can become very angry and resentful if they perceive even the tiniest bit of favouritism in a Will, I've seen it happen many times.

SeriaMau · 03/07/2026 23:21

Dear heavens, why would you leave nothing to two daughters? How would you have felt if your mother had done that to you?

Onbdy · 03/07/2026 23:19

DoloresDelEriba · 03/07/2026 22:20

Leave to your daughters. Not the GC.

This! I don’t understand people who leave money to grandchildren, surely by splitting it equally between your own children they will then leave it to their children anyway?

deepseaargyllfish · 03/07/2026 23:17

split into thirds. 33% to each daughter.

It’s the fairest way.

Schoolchoicesucks · 03/07/2026 23:16

Given there are unlikely to be any further grandchildren, I think splitting into 4 with 1/4 to each daughter and the remaining 1/4 split between the grandchildren sounds like a fair option. Or if you think the grandchildren would benefit more than the married with DC daughters then maybe 1/4 to unmarried DD, 1/8 to each of the married DD''s and remaining 1/2 split equally among the grandchildren.

Coatsoff42 · 03/07/2026 23:16

troothfairy · 03/07/2026 23:12

Split between the three daughters but with equal sized cash gifts to each grandchild, that’s the only way to avoid and ill feeling once you’re gone. Is the third daughter likely to leave her share to her nephews and nieces?

More likely to spend it on care in later life without any family help.

troothfairy · 03/07/2026 23:15

Mylifeisprettyshitrightnow · 03/07/2026 23:04

I agree with this - I would divide equally between your 3 daughters. The grandchildren will get their inheritance from their own parents when the time comes.

it is far more helpful for a young adult to receive money now, than wait until they’re much older.

Pokingbroccoli · 03/07/2026 23:14

Just split it equally between your three DD, anything else is unfair. It's irrelevant how wealthy each of them is individually.

My DM died recently and me and my siblings got an even split of her estate despite them both being much better off financially than me. I wouldn't have expected or wanted anything else.

One of my siblings passed her share onto their DC as they didn't really need it. Your DD have the option to do that if they want.

Tabarnak · 03/07/2026 23:13

Leave your estate divided equally between your 3 daughters.

The ones who are parents will pass their share down in turn, or may give it straight away.

Your daughter with no children does not deserve to see bigger shares go to her sisters’ families.

troothfairy · 03/07/2026 23:12

Split between the three daughters but with equal sized cash gifts to each grandchild, that’s the only way to avoid and ill feeling once you’re gone. Is the third daughter likely to leave her share to her nephews and nieces?

UninitendedShark · 03/07/2026 23:11

Another vote for a three-way split between daughters. Anything else is unfair

princessleah1 · 03/07/2026 23:10

Divide it equally between your daughters and then a small but meaningful amount to the grandchildren.
That's worked in our family

PinkCatCushion · 03/07/2026 23:07

Divide inheritance equally between your children.

Gift grandchildren more personal items eg jewellery but no financial gains - give that to your children.

WildWomanOfTheSea · 03/07/2026 23:05

Leave to your DC with token amounts to each GC. I know lots of families with an unexpected late arrival GC, would be very unfair to them if their siblings/ cousins all had a substantial inheritance and they had nothing.

Bridesmaidorexfriend · 03/07/2026 23:05

Ilikesundays · 03/07/2026 22:42

Child-free daughter is 49 and unlikely now to have children of her own. Should have explained perhaps that eldest dd has very small income and her dh earns a reasonable but not massive salary. She’s the mother of 4. The middle dd earns a very good salary and her dh has a very large salary but they spend what they earn and have a massive mortgage. The youngest has her own business and does ok though not taking much out of the business (she has high overheads). The gcs who are working are just starting out and not earning very much. They have nearly all left home and are living independently or with partners.

Divide your estate in to 4, a 1/4 each to daughters and 1/4 between your DGC as a token amount. I don’t think you should skip your daughters in favour for you DGC

Ilikesundays · 03/07/2026 23:04

Thank you all for your really useful suggestions!

OP posts:
Mylifeisprettyshitrightnow · 03/07/2026 23:04

Unexpectedlysinglemum · 03/07/2026 22:17

You need to leave money to all three daughters equally and they can pass onto their own children as they wish. Imagine if you died tomorrow and then the children daughter have five babies later.
this is the only fair way

I agree with this - I would divide equally between your 3 daughters. The grandchildren will get their inheritance from their own parents when the time comes.

Pinkflamingo10 · 03/07/2026 23:04

You have three children- so split everything equally between your three daughters.
that is the only way to avoid conflict and resentment.
they can each then gift money or will money to their own children.

Ilikesundays · 03/07/2026 23:03

WhatAMarvelousTune · 03/07/2026 22:26

My grandparents did a an equal split between children and then grandchildren eg 1/4 to each of three children, 1/4 spilt between the grandchildren. As far as I’m aware, everyone involved thought that was perfectly reasonable. I’m not saying it’s the only reasonable way, but I do think it is reasonable.

I think your suggestion of leaving nothing to two of your daughters is one of the worst way you could split it tbh.

I think I was influenced by my own mother who set up trust funds for each of her great-grandchildren (my grandchildren) and left nothing to my children. I was an only child so inherited the residue of her estate when she died. But I quite agree it’s unfair to distinguish between the generations. I will try and give them all as much as I can afford while I’m still alive and leave what’s left as you suggest!

OP posts:
Arimatata · 03/07/2026 23:03

Leave equal shares to your children. It’s up to them to leave money to their children, your grandchildren. That is so much fairer than trying to spread it out between your children and grandchildren.

thisisyoursign · 03/07/2026 23:02

Divide between your 3 children. They can gift amounts they want to their own children.

Zanatdy · 03/07/2026 23:01

If you want those 2 left nothing to feel like they don’t matter forever, crack on. I’d personally leave it to my DC equally. GC maybe a token amount. Their inheritance will come later. Do not leave out some children.

uptheposh · 03/07/2026 23:01

I’m one of two. I have a child and my sister does not. I’d feel it unfair if our parent left 1/3 each. It should be split equally between us two and my child can have a share of mine from me.
Why should my sister get less because she couldn’t have kids?

DurinsBane · 03/07/2026 22:59

Why would you not give to the married daughters?

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