OK my general thoughts are that I want to start dollar cost averaging into the market in December through to the first half of 2009. I'll probably look to invest around $10,000 to start with and an additional $3000 - $5000 a month in the first 6 months of 2009. I'm not looking to invest in individual shares rather was looking to invest in some index fund, EFT, LIC or managed fund. Does anyone have any advice about the pros and cons of ecah of these options as well as any options to look into? Obviously I'm looking for funds that have a reasonable track record or meeting or beating the market with low MER and entry and exit fees considering I'm looking to make regular additions to my investments. Does anyone have any recommendations, feedback, or option to look into in this regard? I'm also looking to potentially gear my investments through a margin loan. I have looked into a fair few lenders, but I was wondering who other people are lending through and the interest rates they are paying and if they have any advice in this regard. Also who might be worth looking into given my situation? At this stage I'd expect that I would want to employ a LVR of around 60% - 70%, and obviously the lower the interest rate and the higher the buffer the better. Anyone have any suggestions. Also I was looking to invest into the Asian market as well, does anyone have any suggestions of some of the better ways to go about doing this? Thanks.