To Want to Put My Inheritance in My Name

[chillikate]

Just come into quite a large inheritance from my Great Aunt who never had children.

DH wants to put it in joint names because of tax benefits (ISAs), but I'd rather keep it in my name even if we lose out on a little bit of interest. I feel like all the money that was ever mine is now "ours" (half the deposit on our house was a gift from this aunt) and things with my husband aren't great so I want to have a bit of my own money - just in case.

AIBU??

(Incidentally when we sell our house in a year or so's time and upsize this money will be invested in the house so this is only short term)

Err, once you said that he had had an inheritance and kept it in HIS name, the dilemma disappeared!

You simply put it wherever you want to, in your name, like he did. That is fair, and that's what you say to him - I'm doing the same as you did. There is no discussion to be had.

YANBU

Personally, I think it's naive to trust anyone 100%. But then that's probably because I did trust XH, and he gambled £20k of our money after we sold our house.

If your marriage is not great, I think it's sensible to keep this money in your name, particularly as you're currently living in rented accomodation and don't have cash available to find somewhere to live if you need to.

IME if you plan for the end of a relationship, the relationship will end.

DH has a small inheritance that he put in an ISA. Does he regard it as his or the households? If 'his' then keep yours separate.

If you fill up your own ISA allowance this year (£10k+) then fill his also, you still have a 10k escape fund should things go bad.

What about putting it in the children's accounts?

Put it in your name and tell him after if things aren't great. That way he can't debate it. Remind him that he put his inheritnce into his own name

i'm sorry but now you are married if you have no prenub it is all shared.

I thought that personal inheritence fell outside of the "assets of the marriage"?

YABU. DH and I have been together for 24 years, married for 21. In the beginning I had more money than he did and we had a pre-nup. We have never had a joint bank account. We both have personal assets and don't have a problem about it. When my grandfather left me a six figure sum we didn't even think about putting it in joint names and I'm pretty sure my grandfather didn't expect it to be put in joint names - if he had he would have left to both of us. Actually, OP I think that's the crux of it, your aunt left the money to you NOT to you and DH and I think that has to be respected.