hey Yellowdog, I hear what you say, old son. Actually, that is what THEY say. ( You dont work for Westpac do you? -LOL). Seriously, though, if the damn thing keeps going down over TWO YEARS, you start to lack confidence. It went up to $382,000 a couple of years ago, and since then has gone gradually down.
An independant financial advisor is doing an audit- he reckons the pathetic performance is due to extra concealed fees.
So yes, if it went down one quarter or two quarters I wouldnt worry, but to go downwards for 2 years? That smacks of incompetence or sheer robbery.