Quote Originally Posted by CageyB View Post
I've considered this in the past, but are there any other IRD considerations? Say we had a bank account where we are both joint holders. Could my partner open a Harmoney account in their name, with deposits paid from that joint account, and be considered a separate entity in regards to tax bracket?
Well if you can't then I am in the old proverbial. My current account is a joint account as all our utilities etc. get direct debited from it. Joint simply to cover my demise at some point then everything carries on without any restrictions. So I operate it as my account and all investing done in my name is taxed at my rate except for any income received from the bank which is shared. ie savings account and term deposits from time to time.