Hi guys. I've been reading around on and off for the past few years and I am stuck on something. Any advice would be appreciated. Situation: I have 150-200k of retained earnings in my Company Pty Ltd that I would like to invest in shares as a long-term investment. I currently max my personal income/directors dividend at $180k. My personal account has lets say $50k in cash. Lets assume I continue (for simplicity sake and highly naive) to make the same money as a day trader. My wifes income is low $100k p/a. So most of my money is in retained earnings in my company. Initially I was thinking about creating a discretionary trust and using my retained earnings but the advice I received was that the trust would have to pay interest to the company at 5%~. I have no idea what return, if any, I would make. Buying under my p/a or my wife doesn't seem that attractive given marginal tax rates. And doesn't seem worth it to create a discretionary trust using my pa money. I guess the main issue is that most of capital is in retained earnings in my company, in this situation is it best to just invest using my company or is there a better way?