ahindmar, unfortunately you just dont get it. 1. You are assuming how much money I have 2. Explain what whinging is 3 Thanks for advising how to invest. Had no idea doing it that way was an option!!!! 4. Like you are giving Mr advice for stating I am not comfortable with Matt's views, you are doing the same and 5. Just sick of people talking things up when clearly they have no real idea about what is going on. 6Regards Ace