Thanks so much for your advice, I'm still a bit confused but am thinking of seeing a guy I work with (at the West Australian) who writes a  column in our business pages and has no affiliation with any fund. Pity you weren't in Perth Richard, I could see you. Cheers, Sue.

I think we may have to see a financial advisor then,, it's hard to know where to start. Thanks to everyone for your advice. Sue

thanks for that Richard but its not a self managed fund, we're with Telstra super