liquidity alarm and staff training., page-5

Well for investment advice for 30 Million I wouldn't be calling the call centre for freebies. I also wouldn't be expecting bail outs from the FCS (govt) for that amount the govt job is more real world to make sure people can sleep and eat hence the 250K guarantee cap.

Spread the risk is always a good start, don't bundle the whole amount in one investment or organizion or country so if something massively bad did happen there is some chance to come out of it with some equity.

I use to invest through Macquarie but moved most of my investments elsewhere as they are not interested in people with less than 1 million to invest as they want to earn large fees for advice and give good shareholder returns. I do use the Cash Accounts & Term Deposits for up to 250K as the rates are usually better than most big banks.

I doubt you will find much difference in the banks, Macquarie & AMP are a bit more specialised than the high street retail banks I would be interested to know which one you eventually do go with just for interest.