As with all investing and financial planning, costs matter, so seek out qualified individuals or companies who charge low fees to manage the trust.

FORBES: Financial Planning for Special Needs Relatives

America alone has about 1.4m of them by one count, including hospitals and universities, if not yogurt factories, that charge low rates to the poor and are forbidden from distributing their profits to owners.

ECONOMIST: Poverty

Index funds track the performance of markets and charge very low fees.

FORBES: Earn 2 Percent More in 3 Easy Steps