www.aussiefirebug.com/aff/Today's episode covers Trusts, property investing and ethical investing.Question (2:10)Hi AFB,Love the site and podcast!Quick question around Trusts. My understanding, which may be wrong, is that the costs to set up and manage one, out way the benefits unless you have a sizeable portfolio ~$500k+.I'm keen to buy some ETFs for the long term with a goal of having a portfolio in excess of $1.5mil however that likely won't be for ~15years. With that in mind should I buy now under my own name, or set up the trust with the future in mind even if the costs outway the benefits during the early stages?If tax bracket matters I'm in the 37c per $1 and also know the government are proposing changes to trusts and franking credits. How does that impact the decision?ThanksBillyBobQuestion (11:12)Hi AFB,Love your work and the podcasts.Like many of us, you started in property because of the high amount of leverage you can use. As your goals changed due to changes in lending and increased sharemarket knowledge you’ve mentioned divestment of your investment properties.1. What is your strategy for the divestment and what do you have as key considerations for this?2. If you had a PPOR and one property paid off and another 2 (duplex) well underway (7 years to go) would you simply stick with property as many of the entry costs have already been incurred?ThanksSeamusQuestion (18:30)Hello AFB!So Vanguard has a new ETF that has caught my eye... the VESG, apparently its ethically focused and doesn’t invest in stuff like weapons, tobacco and fossil fuel.I have had concerns from time to time about investing in products that I would otherwise avoid buying as a consumer but I had put that one on the self an gone down the VTS/VEU route anyway.Do ethics play into your investments strategies? How so? What do you think of the VESG as a core holding?Happy Monday!Thanks Kindly,Emma