Intervivos Sapphire Trust

Built with wisdom, integrity and steadfast protection to hold your legacy steady across generations.

Intervivos Sapphire Trust (IST)

The world is changing faster than most families can plan for. Rising costs. Shifting economic conditions. Global conflicts, trade disputes and market uncertainty have become part of everyday life. For many Malaysians, the challenge is no longer simply building wealth. It is ensuring that what has already been built remains protected: the family home, savings accumulated over years of work, the proceeds of a business or a nest egg intended for the future. These are not extraordinary achievements. They are the result of ordinary Malaysians making extraordinary sacrifices over time. Most families do not wake up one day with a legacy. They build it gradually. Through monthly savings. Through property acquired over time. Through businesses started from modest beginnings. Through years of disciplined decisions.

The Intervivos Sapphire Trust exists to help protect that journey. Not after wealth becomes substantial, but from the moment it becomes meaningful. For centuries, sapphire has been prized not only as one of the world's hardest natural materials, but also for what it represents: wisdom, integrity and the ability to endure pressure without losing clarity. That same philosophy guides the Intervivos Sapphire Trust. Because uncertainty no longer affects only investors. It affects parents planning for their children's future. Business owners building family wealth. Professionals supporting ageing parents. Families seeking certainty in an increasingly uncertain world. The need for protection and continuity has never been more relevant - nor more accessible. For this limited window, it is within reach of every member of the rakyat who believes that what they have built deserves protection.

For more information on our Intervivos Sapphire Trust, kindly reach out to us at: info@zicotrust.com.my

  • Custodial Services

    Writing a will, establishing a trust and holding the associated documents serves little purpose if those documents are damaged, tampered with or lost. Our Custodial Services ensure the safe and confidential storage of your important documents.

  • Insurance Trust

    Life insurance is often the primary asset relied upon to protect loved ones in the event of death or disability. Without proper management, however, beneficiaries can be left vulnerable. An Insurance Trust gives you control over how proceeds are distributed, according to your preferences.

  • Private Trust

    We provide a streamlined approach to developing your Private Trust, allowing for a customised distribution plan and settlor-centred asset protection. From business succession planning to the establishment of your own family office, we offer tailored solutions for your estate planning needs.

  • Intervivos Trust

    An Intervivos Trust is established during your lifetime, giving you the ability to manage and distribute your assets on your own terms while you are still here to oversee it. It offers structure and continuity for your loved ones – preserving not only your wealth, but the intentions behind how it is passed on.

  • Family Trust

    We understand the importance of safeguarding your family’s future and preserving your hard-earned assets. Our Family Trust services let you protect your legacy – ensuring it provides for generations to come and that your wishes are carried out exactly as you intended.