Just wondering if anyone could shed some light on this particular product. What is the catch or cost of the capital guarantee? All I can see is normal interest rates... Do you have to go through a planner to access this product? If so, is it a higher than normal entry fee (4%)? Can you go through a discount broker? What are the 100% lending criteria (i.e. is it income tested etc)? Does anyone invest in any of the funds available in the product? Thanks guys!