I'm back to drain you all again. Some of you are probably pretty familiar with my situation and activity so far (or lack of activity). I'm starting to think that at this stage in my life the best thing I can do financially is to increase my earnings and start saving. I have some money in a few funds, which have dropped by about 50% since I invested in them. I don't think I'm going to bother investing in shares at this stage, as I don't really have the capital to make it worth while (in my opinion). At least not yet. Although I still have my Macquarie fund. I'm currently using their cash account for the interest rate. I'm thinking of opening a new fund or two (considering vanguard) and setting up a regular contribution plan. I want something long term and don't plan on touching the money for 5-10 years, but still making regular deposits. Any ideas on what sort of fund would be appropriate? (I'm thinking of a high growth fund, and possibly re balancing it down the line to generate some passive income) I'm not sure whether to leave the other money I have invested or to withdraw it and use it to start up my new savings fund... Thanks for any help.