"Of course my personal fund has done much better............." I don't mean to be overly inquisitive Skol, but can you answer me these 3 x questions.....................
1. Is your retirement fund total invested in equities, bonds &b / or property?
2. Do you have any readily accessible cash you can put your hands on guaranteed without having to exit an invested market?
3. The money you have made in your fund that you say is in profit, ..... how have you materialised that profit or is it still a 'paper profit'?