OK, I think i'm going to enter into my first Geared Fund. Though something's pretty puzzling regarding the two Colonial choices. In Investsmart, they list the MIF as 1.95% MER and the FirstState option as 3%. However looking at the PDS they both list two for both...MERs 1.4~ (n) and ~3 (g). So are they really comparable? If they are, I would think the FirstState option is the one to go for as it produces higher returns on average, better rating from Morningstar and sits on a larger Colonial platform? On a side note, can someone please explain the (n) and (g) MERs how does it work and which one will I get billed for annually? I don't think i have a detailed understanding of this. Thanks.