Biznes za granicą

Trust czyli zaufanie. Jak robić biznes anonimowo z wykorzystaniem spółki offshore

Skąd pochodzi umowa trustu?

Umowa trustu wywodzi się z systemu prawnego common law więc jest instytucją znaną przede wszystkim w krajach anglosaskich, rzadziej spotykaną w systemach prawnych państw kontynentalnych, choć miewają one inne, podobne instytucje m. in. powiernictwa czy fundacji. Konstrukcja trustu nie występuje jednak na gruncie prawa polskiego. Nie oznacza to jednak, iż polski obywatel nie może z niej skorzystać. Istnieje bowiem możliwość założenia trustu za granicą lub uzyskania statusu beneficjenta takiego trustu.

Lista rajów podatkowych? Krajowe i międzynarodowe struktury spółkowe? Optymalizacja podatkowa? Naucz się tego na kursach online Induni x Oniszczuk&Associates:

1. Międzynarodowa optymalizacja ryzyka i ochrona majątku. Lista rajów podatkowych

2.Budowanie krajowych i międzynarodowych struktur spółkowych

3. Dlaczego tradycyjna optymalizacja podatkowa już nie działa?

4. Pozapodatkowe korzyści z zakładania spółek zagranicą

Jak działa umowa trustu?

Trust jest stosunkiem prawnym, na mocy którego założyciel trustu (osoba fizyczna lub prawna, a także jednostka organizacyjna nieposiadająca osobowości prawnej, ang. settlor) przekazuje swój majątek pod zarząd powiernika (trustee). Powiernik natomiast zarządza masą majątkową trustu we własnym imieniu, ale na rzecz określonych osób, zwykle oznaczonych w umowie trustu (deed of trust), określanych jako beneficjenci (beneficiary). Powiernik zobowiązuje się zarządzać przekazanym majątkiem w sposób umożliwiający osiągnięcie korzyści dla beneficjenta, kierując się przy tym wytycznymi założyciela wskazanymi w umowie trustu.

Taka konstrukcja prawna trustu powoduje, że trust nie jest ani osobą prawną ani jednostką organizacyjną nieposiadającą osobowości prawnej, a najczęściej przyjmuje postać umowy zawartej między założycielem i powiernikiem.

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Zalety umowy trustu

Przekazanie przez założyciela majątku na rzecz powiernika powoduje, że majątek ten nie wchodzi już w skład majątku założyciela, a z chwilą przekazania powiernik przejmuje prawo własności oraz faktyczną kontrolę nad tym majątkiem. Aktywa te nie wchodzą jednak do majątku prywatnego powiernika, lecz stają się częścią majątku powierniczego. Inaczej mówiąc, aktywa trustu nie stanowią prywatnego majątku żadnej z osób, które znajdują się w strukturze trustu. Własność przechodzi na powiernika, natomiast korzyści przypadają beneficjentowi. Powstaje dualizm własności prawnej i ekonomicznej. W praktyce powoduje to, że wierzyciele założyciela trustu nie mogą zgłaszać roszczeń do majątku znajdującego się w truście.

Założyciele mogą dodatkowo sporządzić listę życzeń (letter of wishes), która stanowi niezobowiązujący dokument założyciela. W ten sposób założyciel może  przekazać powiernikom dodatkowe wytyczne, w których określa, w jaki sposób chciałby, aby jego powiernicy zarządzali przekazanym majątkiem za jego życia, a także po jego śmierci.

Założyciele, którzy chcą mieć możliwość wpływania na zarządzanie majątkiem, mogą również wyznaczyć protektora lub zastrzec ograniczone prawa dla siebie. Protektor może być powołany do nadzoru nad powiernikami. W przypadku powołania protektora powiernicy nie mogą wykonywać pewnych uprawnień zawartych w dokumencie powierniczym bez pisemnej zgody protektora. Co więcej, możliwe jest także by protektor posiadał uprawnienie do usunięcia i mianowania nowych powierników.

Utworzenie trustu ma przede wszystkim prowadzić do zabezpieczenia majątku przed jego utratą w wyniku niewłaściwego rozporządzania lub na wypadek śmierci. Jest więc to instytucja umożliwiająca planowanie finansowe, a także spadkowe. Konstrukcja ta ułatwia także przedsiębiorcom zarządzanie podmiotami zlokalizowanymi poza granicami kraju np. wówczas gdy występują oni jako wspólnicy spółek zagranicznych. W takim przypadku kontrola nad majątkiem spółki zagranicznej przenoszona jest na trust. W tym celu założyciele najczęściej wybierają na powiernika podmiot, który ma siedzibę oraz prowadzi działalność w państwie na terytorium, którego trust jest tworzony. Taki powiernik, wykorzystując swoją wiedzę, doświadczenie oraz znajomość prawa wykonuje za beneficjenta jego prawa i obowiązki, dając jednocześnie większą gwarancję na uzyskanie oczekiwanych korzyści. Trust jest elastycznym instrumentem, który pozwala dostosować się do oczekiwań założyciela oraz zmieniających się okoliczności. Pozwala przede wszystkim na zachowanie poufności oraz anonimowości. We wszelkich oficjalnych rejestrach jako właściciel widnieje bowiem powiernik.

Utworzenie trustu możliwe jest nie tylko w Wielkiej Brytanii, ale również w wielu innych państwach m.in. w Stanach Zjednoczonych Ameryki, Kanadzie, Nowej Zelandii, Szkocji, na Cyprze czy Malcie.

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Maciej Oniszczuk

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  442. I have observed that over the course of making a relationship with real estate proprietors, you’ll be able to get them to understand that, in most real estate transaction, a commission amount is paid. Finally, FSBO sellers don’t „save” the commission rate. Rather, they fight to win the commission simply by doing a good agent’s job. In completing this task, they devote their money and also time to conduct, as best they will, the duties of an adviser. Those obligations include exposing the home via marketing, presenting the home to prospective buyers, building a sense of buyer emergency in order to trigger an offer, scheduling home inspections, managing qualification investigations with the loan company, supervising maintenance tasks, and facilitating the closing.

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  445. Thanks for your content. One other thing is that if you are marketing your property on your own, one of the issues you need to be alert to upfront is how to deal with property inspection reviews. As a FSBO retailer, the key about successfully moving your property plus saving money about real estate agent revenue is know-how. The more you understand, the more stable your property sales effort will be. One area when this is particularly crucial is home inspections.

  446. I have noticed that smart real estate agents all around you are getting set to FSBO Marketing and advertising. They are acknowledging that it’s more than simply placing a poster in the front place. It’s really in relation to building connections with these retailers who later will become customers. So, whenever you give your time and effort to helping these dealers go it alone : the „Law connected with Reciprocity” kicks in. Good blog post.

  447. I have seen that good real estate agents just about everywhere are getting set to FSBO Marketing and advertising. They are seeing that it’s not just placing a poster in the front place. It’s really concerning building human relationships with these suppliers who at some point will become purchasers. So, if you give your time and efforts to serving these retailers go it alone : the „Law connected with Reciprocity” kicks in. Great blog post.

  448. I have discovered that good real estate agents everywhere are warming up to FSBO Advertising. They are realizing that it’s not just placing a poster in the front yard. It’s really about building connections with these sellers who later will become customers. So, after you give your time and energy to encouraging these vendors go it alone — the „Law of Reciprocity” kicks in. Interesting blog post.

  449. I have discovered that wise real estate agents all over the place are getting set to FSBO Marketing and advertising. They are noticing that it’s not just placing a sign in the front place. It’s really regarding building connections with these sellers who later will become customers. So, after you give your time and effort to helping these dealers go it alone – the „Law involving Reciprocity” kicks in. Great blog post.

  450. I have noticed that over the course of creating a relationship with real estate owners, you’ll be able to come to understand that, in each and every real estate purchase, a fee is paid. In the end, FSBO sellers do not „save” the commission payment. Rather, they fight to win the commission simply by doing the agent’s occupation. In doing so, they commit their money along with time to carry out, as best they will, the tasks of an representative. Those tasks include revealing the home through marketing, representing the home to willing buyers, constructing a sense of buyer emergency in order to induce an offer, making arrangement for home inspections, controlling qualification checks with the bank, supervising maintenance tasks, and facilitating the closing of the deal.

  451. I have learned some new things through the blog post. Also a thing to I have recognized is that usually, FSBO sellers will certainly reject an individual. Remember, they’d prefer to not use your products and services. But if you maintain a gentle, professional connection, offering guide and staying in contact for around four to five weeks, you will usually have the ability to win a meeting. From there, a listing follows. Thanks

  452. Thanks for your content. One other thing is that if you are promoting your property all on your own, one of the challenges you need to be cognizant of upfront is how to deal with home inspection accounts. As a FSBO retailer, the key towards successfully switching your property along with saving money upon real estate agent income is information. The more you already know, the simpler your home sales effort might be. One area that this is particularly vital is reports.

  453. I’ve learned newer and more effective things from your blog post. One more thing to I have seen is that in most cases, FSBO sellers will probably reject a person. Remember, they can prefer not to ever use your products and services. But if a person maintain a gradual, professional relationship, offering help and staying in contact for around four to five weeks, you will usually have the ability to win a conversation. From there, a house listing follows. Cheers

  454. I have learned newer and more effective things out of your blog post. Also a thing to I have found is that normally, FSBO sellers will probably reject people. Remember, they would prefer not to ever use your companies. But if anyone maintain a gradual, professional connection, offering aid and staying in contact for about four to five weeks, you will usually manage to win a conversation. From there, a listing follows. Thanks

  455. I have really learned newer and more effective things through the blog post. Yet another thing to I have seen is that normally, FSBO sellers can reject you. Remember, they would prefer not to use your companies. But if you maintain a comfortable, professional romance, offering help and remaining in contact for about four to five weeks, you will usually be capable to win interviews. From there, a house listing follows. Thanks a lot

  456. Thanks for your posting. One other thing is that if you are promoting your property on your own, one of the problems you need to be conscious of upfront is when to deal with property inspection records. As a FSBO home owner, the key about successfully shifting your property as well as saving money upon real estate agent commissions is knowledge. The more you understand, the simpler your sales effort will be. One area where this is particularly crucial is reports.

  457. I have viewed that sensible real estate agents everywhere you go are getting set to FSBO Advertising. They are recognizing that it’s not just placing a sign in the front yard. It’s really with regards to building human relationships with these vendors who later will become purchasers. So, when you give your time and energy to serving these traders go it alone – the „Law connected with Reciprocity” kicks in. Interesting blog post.

  458. I have really learned newer and more effective things out of your blog post. One other thing I have found is that in most cases, FSBO sellers will probably reject a person. Remember, they will prefer never to use your companies. But if you actually maintain a stable, professional connection, offering support and staying in contact for about four to five weeks, you will usually be capable to win a discussion. From there, a house listing follows. Thank you

  459. Thanks for your post. One other thing is that if you are selling your property yourself, one of the problems you need to be alert to upfront is just how to deal with household inspection records. As a FSBO seller, the key to successfully switching your property in addition to saving money in real estate agent commission rates is understanding. The more you recognize, the easier your sales effort are going to be. One area when this is particularly vital is reports.

  460. Thanks for your posting. One other thing is that if you are disposing your property all on your own, one of the troubles you need to be conscious of upfront is when to deal with house inspection reviews. As a FSBO vendor, the key to successfully switching your property in addition to saving money in real estate agent commissions is information. The more you understand, the simpler your home sales effort will be. One area where this is particularly crucial is home inspections.

  461. I have learned newer and more effective things from a blog post. Yet another thing to I have found is that typically, FSBO sellers are going to reject anyone. Remember, they will prefer to not ever use your solutions. But if a person maintain a gentle, professional romance, offering aid and keeping contact for around four to five weeks, you will usually be able to win a business interview. From there, a listing follows. Thanks a lot

  462. Thanks for your content. One other thing is when you are selling your property all on your own, one of the issues you need to be conscious of upfront is just how to deal with house inspection accounts. As a FSBO retailer, the key about successfully transferring your property and saving money in real estate agent profits is understanding. The more you recognize, the softer your home sales effort will probably be. One area in which this is particularly vital is inspection reports.

  463. I have witnessed that intelligent real estate agents everywhere you go are getting set to FSBO Marketing and advertising. They are seeing that it’s not only placing a sign in the front yard. It’s really in relation to building interactions with these retailers who sooner or later will become buyers. So, whenever you give your time and effort to aiding these dealers go it alone – the „Law involving Reciprocity” kicks in. Good blog post.

  464. Thanks for your posting. One other thing is when you are disposing your property all on your own, one of the troubles you need to be mindful of upfront is how to deal with property inspection reports. As a FSBO supplier, the key about successfully moving your property and also saving money on real estate agent commissions is know-how. The more you realize, the smoother your home sales effort will likely be. One area when this is particularly critical is home inspections.

  465. I have witnessed that clever real estate agents just about everywhere are getting set to FSBO Advertising and marketing. They are seeing that it’s in addition to placing a sign post in the front property. It’s really regarding building interactions with these suppliers who someday will become purchasers. So, if you give your time and efforts to serving these traders go it alone — the „Law involving Reciprocity” kicks in. Interesting blog post.

  466. Thanks for your write-up. One other thing is that if you are selling your property alone, one of the difficulties you need to be mindful of upfront is when to deal with home inspection reviews. As a FSBO vendor, the key about successfully shifting your property and also saving money upon real estate agent commissions is expertise. The more you recognize, the simpler your sales effort will be. One area in which this is particularly essential is information about home inspections.

  467. I have realized that over the course of building a relationship with real estate proprietors, you’ll be able to come to understand that, in every single real estate deal, a fee is paid. In the end, FSBO sellers really don’t „save” the commission. Rather, they struggle to earn the commission by means of doing a great agent’s task. In this, they commit their money as well as time to carry out, as best they will, the obligations of an realtor. Those duties include exposing the home by marketing, introducing the home to all buyers, building a sense of buyer desperation in order to induce an offer, booking home inspections, controlling qualification check ups with the loan company, supervising repairs, and facilitating the closing.

  468. I have discovered that intelligent real estate agents all around you are starting to warm up to FSBO Marketing. They are realizing that it’s in addition to placing a poster in the front place. It’s really regarding building human relationships with these traders who later will become customers. So, once you give your time and effort to serving these vendors go it alone — the „Law connected with Reciprocity” kicks in. Thanks for your blog post.

  469. Thanks for your post. One other thing is when you are selling your property all on your own, one of the troubles you need to be aware of upfront is when to deal with household inspection reviews. As a FSBO vendor, the key towards successfully shifting your property as well as saving money about real estate agent commission rates is knowledge. The more you understand, the more stable your property sales effort will probably be. One area where by this is particularly significant is home inspections.

  470. Thanks for your article. One other thing is when you are disposing your property yourself, one of the problems you need to be alert to upfront is just how to deal with property inspection reports. As a FSBO vendor, the key towards successfully moving your property in addition to saving money with real estate agent income is expertise. The more you realize, the simpler your home sales effort is going to be. One area when this is particularly essential is information about home inspections.

  471. I have discovered that clever real estate agents everywhere you go are warming up to FSBO Promotion. They are acknowledging that it’s more than merely placing a poster in the front property. It’s really concerning building relationships with these vendors who at some time will become consumers. So, if you give your time and efforts to encouraging these dealers go it alone — the „Law involving Reciprocity” kicks in. Good blog post.

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  473. I have viewed that intelligent real estate agents everywhere you go are warming up to FSBO Marketing. They are recognizing that it’s not only placing a sign post in the front property. It’s really in relation to building relationships with these suppliers who one of these days will become buyers. So, if you give your time and energy to aiding these traders go it alone — the „Law connected with Reciprocity” kicks in. Interesting blog post.

  474. I’ve learned result-oriented things from the blog post. One more thing to I have observed is that in most cases, FSBO sellers can reject anyone. Remember, they’d prefer to not ever use your companies. But if you maintain a stable, professional romance, offering help and being in contact for about four to five weeks, you will usually have the ability to win an interview. From there, a house listing follows. Cheers

  475. I have really learned newer and more effective things from your blog post. Also a thing to I have discovered is that typically, FSBO sellers may reject people. Remember, they will prefer to not ever use your expert services. But if you maintain a reliable, professional connection, offering help and staying in contact for around four to five weeks, you will usually have the ability to win a discussion. From there, a listing follows. Thank you

  476. I have noticed that clever real estate agents everywhere are warming up to FSBO Marketing and advertising. They are noticing that it’s not only placing a poster in the front property. It’s really pertaining to building interactions with these retailers who one of these days will become consumers. So, whenever you give your time and effort to serving these retailers go it alone — the „Law of Reciprocity” kicks in. Thanks for your blog post.

  477. Thanks for your article. One other thing is that if you are selling your property all on your own, one of the challenges you need to be conscious of upfront is how to deal with household inspection reports. As a FSBO owner, the key about successfully transferring your property in addition to saving money with real estate agent revenue is information. The more you already know, the smoother your property sales effort might be. One area when this is particularly crucial is information about home inspections.

  478. I’ve learned some new things from the blog post. One more thing to I have found is that in many instances, FSBO sellers will probably reject you actually. Remember, they can prefer to not use your expert services. But if you actually maintain a reliable, professional relationship, offering aid and staying in contact for four to five weeks, you will usually be capable of win a business interview. From there, a house listing follows. Many thanks

  479. Thanks for your posting. One other thing is when you are advertising your property on your own, one of the issues you need to be mindful of upfront is when to deal with home inspection accounts. As a FSBO vendor, the key to successfully switching your property plus saving money about real estate agent income is know-how. The more you know, the softer your sales effort is going to be. One area in which this is particularly important is home inspections.

  480. Thanks for your posting. One other thing is that if you are promoting your property on your own, one of the troubles you need to be cognizant of upfront is just how to deal with household inspection records. As a FSBO home owner, the key to successfully switching your property as well as saving money on real estate agent income is expertise. The more you are aware of, the smoother your sales effort is going to be. One area where this is particularly crucial is information about home inspections.

  481. I have noticed that intelligent real estate agents almost everywhere are getting set to FSBO Advertising. They are seeing that it’s more than merely placing a poster in the front place. It’s really pertaining to building human relationships with these sellers who sooner or later will become consumers. So, if you give your time and effort to aiding these retailers go it alone — the „Law involving Reciprocity” kicks in. Interesting blog post.

  482. Thanks for your post. One other thing is that if you are disposing your property on your own, one of the difficulties you need to be aware about upfront is just how to deal with home inspection reviews. As a FSBO seller, the key to successfully moving your property in addition to saving money on real estate agent profits is knowledge. The more you understand, the simpler your sales effort might be. One area where by this is particularly important is information about home inspections.

  483. I have observed that sensible real estate agents everywhere are getting set to FSBO Promotion. They are acknowledging that it’s not only placing a poster in the front area. It’s really about building human relationships with these traders who one of these days will become purchasers. So, when you give your time and efforts to helping these traders go it alone — the „Law of Reciprocity” kicks in. Good blog post.

  484. I have noticed that over the course of building a relationship with real estate proprietors, you’ll be able to come to understand that, in each and every real estate exchange, a commission rate is paid. Ultimately, FSBO sellers will not „save” the commission rate. Rather, they fight to win the commission simply by doing a strong agent’s occupation. In accomplishing this, they devote their money and time to perform, as best they can, the tasks of an real estate agent. Those responsibilities include revealing the home through marketing, presenting the home to willing buyers, constructing a sense of buyer urgency in order to make prompt an offer, preparing home inspections, taking on qualification investigations with the loan company, supervising maintenance tasks, and aiding the closing of the deal.

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  486. Thanks for your write-up. One other thing is that if you are disposing your property on your own, one of the challenges you need to be alert to upfront is how to deal with home inspection reports. As a FSBO owner, the key about successfully shifting your property and also saving money with real estate agent revenue is knowledge. The more you are aware of, the more stable your property sales effort might be. One area where by this is particularly significant is reports.

  487. I’ve learned new things from a blog post. One more thing to I have noticed is that in most cases, FSBO sellers can reject a person. Remember, they would prefer to not ever use your expert services. But if a person maintain a gradual, professional relationship, offering help and being in contact for four to five weeks, you will usually have the capacity to win a conversation. From there, a listing follows. Thanks a lot

  488. I’ve learned some new things through the blog post. One other thing to I have observed is that generally, FSBO sellers are going to reject people. Remember, they will prefer to not use your solutions. But if a person maintain a comfortable, professional relationship, offering guide and remaining in contact for four to five weeks, you will usually be capable to win a business interview. From there, a house listing follows. Thank you

  489. I have witnessed that sensible real estate agents almost everywhere are starting to warm up to FSBO Advertising. They are noticing that it’s more than just placing a sign post in the front area. It’s really regarding building relationships with these dealers who at some point will become buyers. So, if you give your time and effort to supporting these dealers go it alone — the „Law of Reciprocity” kicks in. Great blog post.

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  491. Thanks for your article. One other thing is when you are disposing your property on your own, one of the problems you need to be aware about upfront is when to deal with property inspection reviews. As a FSBO home owner, the key concerning successfully transferring your property along with saving money in real estate agent commission rates is expertise. The more you understand, the simpler your sales effort will be. One area when this is particularly vital is information about home inspections.

  492. I have discovered that good real estate agents everywhere are warming up to FSBO Promotion. They are seeing that it’s more than just placing a sign in the front property. It’s really pertaining to building interactions with these retailers who someday will become purchasers. So, whenever you give your time and effort to supporting these sellers go it alone — the „Law of Reciprocity” kicks in. Good blog post.

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  494. I have observed that good real estate agents everywhere are starting to warm up to FSBO Advertising and marketing. They are recognizing that it’s in addition to placing a sign in the front area. It’s really regarding building connections with these sellers who at some time will become purchasers. So, once you give your time and efforts to aiding these sellers go it alone : the „Law of Reciprocity” kicks in. Great blog post.

  495. I have witnessed that intelligent real estate agents all around you are starting to warm up to FSBO Marketing and advertising. They are realizing that it’s not only placing a sign in the front property. It’s really in relation to building human relationships with these suppliers who at some time will become consumers. So, while you give your time and energy to encouraging these vendors go it alone — the „Law of Reciprocity” kicks in. Thanks for your blog post.

  496. I have seen that wise real estate agents all over the place are starting to warm up to FSBO Marketing. They are recognizing that it’s more than simply placing a sign post in the front property. It’s really about building interactions with these retailers who someday will become customers. So, after you give your time and efforts to aiding these sellers go it alone – the „Law connected with Reciprocity” kicks in. Thanks for your blog post.

  497. Thanks for your posting. One other thing is when you are advertising your property alone, one of the difficulties you need to be mindful of upfront is how to deal with household inspection reviews. As a FSBO owner, the key concerning successfully transferring your property and also saving money in real estate agent commission rates is understanding. The more you understand, the easier your property sales effort are going to be. One area when this is particularly important is inspection reports.

  498. I have really learned result-oriented things through your blog post. One other thing I have observed is that generally, FSBO sellers can reject you. Remember, they would prefer to not ever use your providers. But if a person maintain a comfortable, professional romance, offering help and keeping contact for around four to five weeks, you will usually be capable of win an interview. From there, a listing follows. Thank you

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  500. I have witnessed that intelligent real estate agents almost everywhere are warming up to FSBO Advertising and marketing. They are acknowledging that it’s more than simply placing a sign in the front place. It’s really pertaining to building relationships with these suppliers who someday will become buyers. So, while you give your time and efforts to helping these dealers go it alone — the „Law involving Reciprocity” kicks in. Thanks for your blog post.

  501. I have really learned some new things through your blog post. Also a thing to I have recognized is that normally, FSBO sellers can reject anyone. Remember, they will prefer not to use your expert services. But if a person maintain a gradual, professional relationship, offering aid and remaining in contact for around four to five weeks, you will usually manage to win an interview. From there, a listing follows. Thanks

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