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10 Step WealthPath

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Module 8

Risk Management

Module length: 2 hrs

Videos: 8

Step 8: How will you manage risk?

In Module 8, we examine the three main ways of managing financial risk and ways to avoid going below your minimum goals using:

. Insurance; diversification and/or dynamic hedging.

Insurance expert, Mr Aaron Zelman, takes us through the types of insurance available and answers questions. We also examine:

. The different insurance channels for obtaining insurance: group insurance through super funds, insurance brokers, direct to insurance companies

. The role of brokers and other insurance providers, and their incentives

. How leveraging a portfolio can help to hedge risk

. The risks and rewards of borrowing to invest.

In Step 8, participants are asked to identify the 3 main areas of risk they face, and then review whether they have the right amount of insurance to offset the risk, and whether they need to use diversification and/or hedging of non-diversifiable risk to offset more risk.

More Modules

Module 2

Stock Market Fundamentals

Historical returns / balance sheets & cash flows / value vs growth / dividend imputation

Step 2:  Where SHOULD you be on the risk spectrum?

Module Length: 2 hours

Videos: 6

Module 4

Implementing Stock Market Investment

Implementing investments/ assessing financial advice/ managed funds Vs ETFs/ savings Vs goals calculator

Step 4:  Are you saving enough to reach your goals?

Module Length: 2 hours

Videos: 5

Module 5

Residential Property / Negative Gearing

Historical returns / residential price outlook/ pros and cons of borrowing to invest/ negative gearing case study

 

Step 5:  Where does the money go?

 

Module Length: 2 hours

Videos: 5

Module 6

Residential Real Estate Examples

Negative gearing spreadsheet/ Property case studies x 2/ using family trusts to invest in property

 

Step 6:  Where will you hold your investments?

Module Length: 2 hours

Videos: 4

Module 7

Commercial Real Estate Investing

Historical returns / how to use CREs, REITs, unlisted property trusts, super, syndicates & direct ownership

Step 7:  What will you invest in?

 

Module Length: 2 hours

Videos: 4

Module 8

Managing Risk & Alternative Assets

Life, TPD & income insurance/ distribution networks/ protecting your minimum/ alternative assets

Step 8:  Your risk managment

 

Module Length: 2 hours

Videos: 6

Module 9

Getting the Right Financial Advice

When do you need an adviser/ how much should you pay & for what?/ is your structuring right?

Step 9:  Do you have the right financial advice?

Module Length: 2 hours

Videos: 2

Module 10

Implementing Your Strategy & Next Steps

Structuring & tax planning Q&A/  private assets / implementing your strategy, next steps & coure wrap up

Step10:  Implementing your strategy

 

Module Length: 2 hours

Videos: 6

Module 1

Introduction; Risk & Returns

Why you need an effective wealth strategy & process / understanding risk & return / choosing your super fund

Step 1:  Set your goals

 

Module Length: 2 hours

Videos: 8

Module 3

Family Trusts for Share Investing

Your asset allocation/ using family trusts to invest in shares/ deep value Vs deep growth / active Vs passive

Step 3:  Where ARE you on the risk spectrum?

Module Length: 2 hours

Videos: 5