In the UK, individuals can leave any portion of their estate to charity, and these donations are exempt from inheritance tax, provided they meet certain criteria. If a will specifies a charity as a beneficiary, the donation is legally binding. Charitable donations can also be a way to reduce the overall inheritance tax liability, especially if the donation exceeds 10% of the estate’s value.  

For British expatriates living in the UAE, succession planning is a crucial yet often overlooked part of financial planning. Many expats neglect the importance of having a will in place, assuming that their British wills or international laws will apply. However, without a properly drafted will that meets UAE legal requirements, assets could be at risk of not being distributed according to an individual’s wishes. 

For expats without a will, the application of Sharia law becomes particularly relevant. In the UK, in the absence of a will the rules of intestacy would apply. In both cases the question of who gets what is fixed in law. In Sharia Law a portion of an estate must be allocated to specific relatives, which might not align with a non-Muslim British expat’s expectations. For example, a spouse or children may not receive the expected share, and they may face additional complications regarding asset division. 

A will tailored to the UAE’s legal framework allows British expats to ensure their wishes are honoured. A UAE-specific will can specify how assets such as property, bank accounts, and investments will be distributed. Without a will, there may be delays in asset transfer. 

Additionally, the absence of a will might result in the appointment of an administrator to manage the estate. This process can be time-consuming and expensive, leaving loved ones with unnecessary financial burdens during an already difficult time. 

By creating a UAE compliant will, expats can designate an executor of their choice, specify how their estate will be managed, and minimise confusion. A will also provides peace of mind, knowing that loved ones are protected and that one’s estate will be handled in accordance with personal wishes.  

Ramadan emphasises the values of generosity, compassion, and selflessness which also aligns with the UAE’s strong cultural emphasis on charity and community welfare. Many expats choose to donate what they can to various causes during Ramadan. Some wish they could donate more. This practice of giving strengthens bonds between expats and the local population and fosters a deeper understanding of the UAE’s philanthropic values. In turn, it leaves a lasting impact, helping to improve the lives of those less fortunate, especially during the holy month of Ramadan. In the UAE, the government supports numerous charitable initiatives, and many expats take part by contributing to these organisations and community groups. Leaving a charitable legacy in a will is another way of doing so. 

Writing a will and leaving a legacy to charity during Ramadan is a meaningful way to give back and create a lasting impact. By including charitable bequests in your will, you ensure that your legacy supports causes you care about, even after your passing. It’s an opportunity to leave a positive mark on this community, help those in need and to give back to this wonderful country.