There is something I'm still unsure about with contribution fees. I understand that on an initial investment the contribution fee will apply, lets says 4%, on a sum of $5000 means $200 contribution fee. Now will the contribution fee apply to regular additions to your investment, or is it only when you first enter the fund. Also it seems, most people have used InvestSmart as their fund broker in order to get the contribution fee rebate. Has anyone gone with using ComSec? Is there much difference between going one or the other?