🎓 Advanced Lesson 24: Portfolio Structuring & Asset Protection
📊 Group Structure Example
- Holding Company: UK Property Strategy Holdings Ltd
- ▶ SPV 1 – UKPS Lease Options Ltd
- ▶ SPV 2 – UKPS Assisted Sales Ltd
- ▶ SPV 3 – UKPS JV Projects Ltd
- ▶ SPV 4 – UKPS Deal Packaging Ltd
Each subsidiary handles a specific strategy.
Profits roll up to the holding company, ring-fencing risk and improving tax efficiency.
📝 SPV (Special Purpose Vehicle) Setup Template
Company Name: [Example SPV Name Ltd]
Registered Address: [Legal UK Address]
Director(s): [Your Name(s)]
Business Activity: Property investment & management of [Project Address]
Share Capital: £100 (100 shares at £1 each)
Bank Account: Opened with [Bank Name]
Professional Team: Accountant – [Name] | Solicitor – [Name]
Tip ➜ Use a clear naming convention, e.g. “UKPS-Brum_SPV1 Ltd” for each new project.
🏦 Recommended Banking Structure
- Main Operating Account – Receives rents & pays routine expenses
- Client / JV Funds Account – Segregated funds held on trust for investors
- Tax Reserve Account – Automatically move ≈20 % of all income monthly
- Emergency Float – 3-6 months’ operating costs (kept in instant-access)
Starling Bank Business, Tide, or Revolut Business are popular UK options for multiple sub-accounts.
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🛡️ Asset Protection Checklist
- ✅ Trade through a Ltd company or SPV for every deal
- ✅ Keep personal & business finances strictly separate
- ✅ Maintain public-liability & professional-indemnity cover
- ✅ Store all signed contracts in encrypted cloud storage
- ✅ Use NDAs when sharing sensitive deal info with partners
- ✅ Review director guarantees & lenders’ charges annually
- ✅ Perform an annual risk & tax review with your accountant/solicitor