Mo Money #488 Family trust investing to save tax
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Feb 4, 2026 A live deep dive into discretionary family trusts and how they interact with tax when investing. Practical coverage of setting up trusts, using a company bucket, and common structural mistakes to avoid. Scenarios show potential tax outcomes and asset placement choices. Actionable systems, borrowing strategies and regulatory risks are highlighted for people planning structured investing.
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Client James Turned A Bad Buy Into Tax Wins
- James bought off-the-plan property that underperformed and used trust structures to preserve investing capacity.
- He generated five-figure tax savings from day one after adding a bond and a trust.
Always Distribute Trust Income Annually
- Distribute trust income each year to beneficiaries or face punitive 47% tax.
- Include family members or a company beneficiary to legally minimise tax paid.
Put Assets In Entities By Tax Profile
- Choose which assets sit in trusts, companies or investment bonds based on tax rules like CGT discount and franking.
- Place high-growth assets where CGT concessions and distribution flexibility matter most.