i, for one ,am not afraid of a bit of work
1.joint names
2.husband,s name
3.wife,s name
4. family trust
5.DIY superfund
Fill out some forms and write out 5 cheques.
Would take about half an hour.
You could really get keen,and be the trustee for your 3 kids(if you had them,of course)
I am a reasonably organised person,i believe and as you have seen from my posts,i like to do my homework--cheers