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thanks grossreal & ozperp. Ozperp your example with the numbers is excellent for someone to get a grasp of the concept, much appreciated.

thanks ozprep, so which trust do you use ? The business family trust will be in my name only.

Don't want to hijack the other post. Like 99% of the people, I am totally confused by this trust thing. Set up a HDT couple of years ago via a Melbourne accountant frequented this forum, thinking of getting rid of it because of the b.s. (ATO, hard to get finance (just told by a mb now it's...