Don't need your respect, that's for sure. I have doubled my SMSF...

Don't need your respect, that's for sure. I have doubled my SMSF to 3mil in last 18 months but not with the help of VCR. I have had vcr from the start but not anymore. I have 40+ years in medical industry, 17 years with TGA and know this device well. But it's not on my list now. I will focus on sgx, tfe, aoe, mun, pla, and, cvn, dom, rml, slv, vre & bmn from now on for my speccies, they are sure to all give better returns. Take care and don't get to emotionally attached to vcr, it's sometimes time to cut losses!