Hello there, I've recently joined InvestChat and am looking for some advice regarding an investment strategy that involves setting up a family trust (for myself and two brothers) and possibly a 'Bucket Company' as a fourth beneficiary (for distribution and further investment purposes - all three of us as individuals are currently above the 30% company tax bracket and will be for the foreseeable future). There's a few different parts to this and I'll have a few different questions around it so any help would be greatly appreciated! Also important to note the family trust is for asset protection purposes (two of us are directors of companies). Basically we are looking for the most tax effective way to invest a large initial investment (cash to buy shares) and also hold 1 x residential property (own debt free) and 1 x commercial property (own debt free). With regard to the shares we are particularly interested in income producing companies (ie Thornhill approach - dividends from LIC's, ETF's) however being quite a while off retirement we would want to reinvest all dividends for now. From what I have already read on here that can be achieved through a family trust (asset protection purposes) and the bucket company (distribution purposes and reinvesting dividends). We will probably look to make wives/children (18+) beneficiaries in the future for tax purposes. The strategy would go something like this: (for the purpose of this example I'll use approximate values) TRUST (initial investment) - Residential property (1mil) debt free ($40k rent p.a gross) - Commercial property (500k) debt free (30k rent p.a net) - LICs, ETFs, Individual stocks (1mil) BUCKET COMPANY - Receives trust distributions (dividends from shares, rent from property) - Uses income to invest in income producing assets (eg LICs, ETFs) As stated, the purpose is for asset protection and to build a portfolio over time with an income stream (or three) in retirement. The main questions are: 1. Would this structure suit our asset protection needs? Would a corporate instead of individual trustee extend this protection? 2. Would there be any benefit in creating three separate trusts (one for each of us)? 3. Should the inital transfer ($1 million cash, 2 x properties) into the trust be in the form of a gift or a loan? 4. Is the bucket company structure (assuming LLC?) sufficient for asset protection? This will obviously grow in value every year, even with the 30% tax payable. 5. Suggestions around the beneficiaries set up would be appreciated - what is the risk of adding extra beneficiaries? 6. While we are all working would a DSSP ( ie AFIC & WHF) be beneficial to build the portfolio over a DRP? (reduces trust distribution while still increasing holdings) Thanks for your time and consideration, apologies for the long-winded and multi-faceted post!