Complexities when structuring an investment portfolio

When structuring an investment portfolio, we typically use various vehicles over time as our financial position increases in complexity and value.

- Elke Brink

The vehicles hold different benefits and play different roles within a planning structure.

The "perfect" portfolio comprises various vehicles over time.

There are sometimes less ideal outcomes to be aware of and plan for. These include:

Accessibility; Ownership; Growth within the vehicle; Taxation; and What happens at death - essentially estate planning.

Ownership structures A trust and a company structure can play an invaluable role in planning a portfolio - if structured for the right reasons and needs within the bigger picture.

This could be due to reasons such as physical company needs and partnerships, minor children, protecting a family and the continuity of assets, a special trust - perhaps in the case of a disabled child.

These ownership structures need to be navigated well and only structured with proper advice from a tax advisor/auditor and your wealth advisor.

A trust and a company are not always required/relevant.