Interesting, at the moment I have no idea how such a product would be treated in the event of divorce since the dividends are reinvested in the product without a transaction taking place.
Would it be necessary to accumulate the dividends received throughout the marriage until the divorce? Given that the dividend proceeds are supposed to belong to the union? To be honest, this is beyond my knowledge of the subject, but it would be interesting to look into the matter, one day perhaps.
As a reminder, dividends belong to the marital union. If they are not reinvested but fall into a savings account, the final balance of this account will be divided in two upon divorce.
Exactly. Which is another reason to do as much as possibly amicably (easier said than done) since kids are punished first by you fighting about material things and regardless of whatever you try to prevent the higher earner is punished second.
If you can: have a common lawyer who is mandated to look after both your interests and makes/keeps négociations between you and your ex. This allows you to give value (above current monetary value) to what your prioritise…otherwise if it gets ugly you may even have to sell investments while the market is tanked just to split the money, or sell your house at a bad time.
To quote the judge in my divorce: “my job is not to ensure fiscal optimisation, it’s only to apply the law to this specific case”
I can relate, we save at least 4 potential conflicted divorce by doing it amicably. Also, the fact that I was a bit aware about personnal wealth and set up an Excel sheet in order to put in perspective the finance of the spouses helps a lot.
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