You’ve sold and you have cash
«I’ve sold and I have cash. What now?»
After a sale or an inheritance, the first decision is not what to invest in but where to invest from. The vehicle that holds the money changes what you pay each year, what you can move without cost and how it will pass to your children.
What to decide first
- How much you need to keep available and how much can be invested for the long term.
- Whether the money should be in your name or in a company.
- How much weight you want in financial markets, real estate and private equity.
- Which vehicle suits each part: investment funds, savings insurance, venture capital or a property company.
How we work on it
We help you decide the split and the vehicle for each part with a joint view of tax, investment and succession. The investments are managed by an authorised firm, and we make sure everything fits with the rest of your wealth.
Mistakes we often see
- Investing everything at once the day after the money arrives.
- Choosing the product before the vehicle.
- Leaving the cash in the account while deciding, sometimes for years.
Frequently asked questions
What is the difference between investing through funds or through a company?
It changes when and how you are taxed and what you can do with the gains. In Spain you can switch from one fund to another without paying tax; a company gives more room to reinvest. It depends on your time horizon and what you want the money for.
Do you manage the investments?
Investment decisions and their management are carried out by an authorised firm. We make sure they fit with your tax position and your succession plans.
