Hi After spending a few weeks researching and reading every post on this forum i've come up with the following and would love some comments on it... Money to invest via discretionary trust: AUSBIL Australian Active Equity Fund - 100k (50% LVR) CFS Global resources wholesale - 100k (No Loan) Platinum Asia (wholesale) - 66k (50% LVR) Macquarie Small Companies Growth Trust - 66k (50% LVR) Challenger China - 50k (No loan) All of these are wholesale funds, except for Macquarie Small Companies Growth Trust which don't seem to have a wholesale version. We'll be going direct with Ausbil, Platinum Asia and Challenger. For CFS we are using their wholesale product, and we'll use Comsec for the Macquarie fund. This move will see $266k of our money tallied with $116k through a Suncorp margin loan (best interest rate we could find) for a total portfolio of $382k. I would love any comments as to the sanity of this approach and whether my last few weeks of research has been in vain. Cheers PS. I've kept LPT and cash out of this portfolio for now as I don't think its the right time for property and we've already got enough cash in the bank to offset the margin loan interest.