Thanks Steve, found my way here from the interest.co.nz site - so yes I got your message. The post is very informative and I appreciate the direction as it is always a bit scarey when investing in unfamiliar territory. Aim to invest only enuf so i can buy the small heavily indebted nation in the south pacific that I miss so much. It needs saving from itself really and I think a couple of quid a week into the fund should do it.