Darryle thanks for your reply I will have to look into that . I...

Darryle thanks for your reply I will have to look into that . I have had two financial advisers the first lost me $ 300,000 and the second was not good either so I find it very hard to trust another one . I am managing my shares myself and have done very well for about eight years but got things wrong last year.  I am thinking of putting it into a managed fund in the  future. I really don't want to end up on the pension but to get some of the other benefits would be great. Thanks again for your help.  Regards. Roy.