🎓 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.

&

🛡️ 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

 

 

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