If you are doing this without comprehensive( note this last word) professional advice then you are travelling down a dangerous road - and asking this forum( with due respect to those who might proffer answers or experience ) is simply obtaining at best a crowd view and at worst... well - you tell me? I am sure you know this but inter vivos trust "benefits" and prior relied on outcomes are almost 100% certain to be negatively affected by income tax changes ito the Davis tax committee feedback and directions they and treasury want to set , and treasury needs money - which means...increase the tax take on trusts and estates. These changes in particular will apply to trading trusts ( which are a bad legal and commercial joke ) and likely mean the famous conduit pipe principle will become an either or - and if this happens it will knock the feet out from under discretionary trusts: and as these are a major reason for having a trust in the first place I am not holding my breath for their future use. In fact I see them in decline.