...that if this thread doesn't result in me taking action and making changes, I will close my investEd account and leave you all in peace. I'm a man of my word, so now that's in writing I'll have to get my act together I'll give the short version now (or try to) Background Info. I have $10,000 left in a netwealth account (An online investment management platform). I started with these three funds: - CFS FirstChoice 452 Geared Aus share fund = $3,609 - CFS Property securities fund = $2,250 - CFS FirstChoice Colliers geared global property securities = $741 (I think these funds were all opened with $5000. Plus some contributions. So they haven't done well at all, obviously.) I bought these two later: - Platinum international brands fund = $1,790 - Vanguard emerging markets shares index fund = $1,917 (They have risen a whopping $300 or so.) I've probably lost about $9,000 since 2007, I think. Current Situation. - I have $30,000 in my savings account. - I don't know what to do with it. - I am 23 and have no debt or expenses. - I can comfortably contribute $400 to $500 a week to my investment account My Goals. - Not entirely sure? - Financial security would be my primary goal - At this stage I want to build my base wealth while I figure out what I might use it for one day - At this stage I'm thinking of committing the next 3-5 years to saving as much as possible and contributing to my portfolio My Plan. This is where I'm in need of help/advice. - Deposit $25,000 into my NetWealth account - Re-Structure my portfolio - Sell my current funds??? (Maybe hang onto the Platinum and Vanguard funds) I'm not sure what to do here. - Set up a generous regular contribution plan Proposed Portfolio Re-Structure These are the changes I'm thinking of making. - 5% Cash holdings - 25% ASX 200 INDEX FUND - 25% INTERNATIONAL INDEX FUND - 20% EMERGING MARKETS INDEX FUND - 25% Set aside for direct share investments This would just be for my NetWealth account. I will be also be keeping additional cash in my savings account, aswell as contributing to my superannuation. QUESTIONS! - What do you think of this 'strategy'? - Would you keep any of the funds I already have invested in? - Can you recommend any index funds which fit my 'plan'? - All opinions, criticism etc... are encouraged So much for keeping it short. Hopefully I kept your attention with my formatting I genuinely appreciate all the help I've already received here.