In relation to this paragraph: "netWealth, some limitations (5% only outside ASX 200), my funds are effectively out of my personal control (as with a industry / retail fund I know) and not a great deal in the fund management category I would like)"
**The 5% limitation is per stock, 30% of your total portfolio can be held outside the top-200. Really besides the %-safety limitations, you are totally in control of your money!
** Not sure what you mean by: "not a great deal in the fund management category I would like" ... they pretty much give you access to them ALL. With some 260 wholesale funds to select from.
Also they might not have the "safe" industry super tag, but they are as safe as bank out there. Having just come through the worst GFC we are likely to see, they didnt miss a beat! Backed by some pretty serious money, Netwealth actually are stronger now than before the GFC ... I recently noted this interesting reference to them: http://www.moneymanagement.com.au/news/managed-fund-inflows-in-decline
