120. Investing Through a Trust or personally

Welcome back to another episode of the 360 Money Matters Podcast! 

In this episode, we discuss the pros and cons of investing in your own name versus a trust. We focus on two commonly utilized types of trusts: unit trusts and discretionary/family trusts. Unit trusts distribute income based on ownership of units, while discretionary trusts allow for flexibility in distributing profits. The main advantages of using a trust include asset protection and tax minimization through strategic income distribution among family members.

However, it is important to consider the complexity and costs associated with setting up and running a trust, as well as its potential impact on borrowing capacity. Planning ahead is crucial, taking into account both current circumstances and future scenarios when deciding whether to use a trust for investment purposes.

Ready to make informed decisions about your investments? Dive deeper into the world of trusts and investment strategies by tuning in to our episode! 

This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706


Episode Highlights

  • Types of trusts (Unit, Discretionary/Family)

  • Asset protection and tax benefits associated with trusts

  • How does a discretionary trust work

  • Flexibility in income distribution

  • Planning ahead for capital gains

  • Costs associated with establishing and running trusts

  • Considering the long-term implications and benefits of trust


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