Module 3 begins with Step 3: Where ARE you on the risk spectrum?  One of our interactive calculators is used to work out your current asset allocation and leverage, and to identify any disjuncture between the amount of risk you are taking now, and the amount you should be taking on the basis of your risk assessment in Step 2.

We use two case studies to demonstrate ways in which investors who find they are taking too little or too much risk, can rebalance their portfolio.

We explore Family Trusts: what are they; how they create value; what are the different roles in FTs; and when is the right time to set one up? A long example shows how combined use of FTs, corporate beneficiaries (bucket companies), and dividend imputation can help personal investors optimise their long term wealth strategy and tax planning.

Finally there is a discussion of the differences between deep value Vs deep growth investments; with negative gearing explored as a deep growth strategy.