Golfing on inheritances carries risks of fraud and inequality

The increasing number of elderly people in the Netherlands, particularly those aged 75 and older, is leading to significant inheritance amounts, raising concerns about potential investment fraud. The AFM predicts a peak in inheritances by 2050, with many elderly homeowners leaving behind substantial wealth. This situation makes heirs vulnerable to fraud, especially when they are emotionally affected by a loved one's death. Younger generations, who tend to take more investment risks, may view inheritances as opportunities for complex financial products. The AFM highlights a 'dynasty effect' where wealthy families provide better starting positions for their children, exacerbating societal inequality. Additionally, many are already transferring wealth through family loans and home equity, which can lead to financial complications and increased risks.