Thank you so much for your reply. I have a vague idea about it all......hold about a mill in shares and trade regularly.....win some lose some....but the real winners I find that have growth with dividends and FFranking should, I think, go away into a smsf for when I am over 60 (just 6 years away) to fully capitalise on the structure here in my place of birth.... I was a teacher also....but an ESL teacher overseas.....best I got here was a casual uni teaching position....but those days are gone now. Thanks again for your reply....appreciate it muchly.
