Hi guys, Its my first post here and I must say I am highly impressed with the knowledge and input from all posters. I currently have holdings in Argo investments as well as TLS and employee share plans with BHP and S32. In addition I am invested in vanguard retail managed fund International share fund and hope to hit the 100k mark in a year or 2 and then sell the fund and reopen in the lower fee wholesale fund. I understand this will trigger a CGT event however I'm holding for the long term. My plan is to use argo and also eventually bki as my vas component in addition to getting some WAM capital or even QVE as my Australia equity allocation. If I sell the vanguard fund and then reopen as a lifestrategy wholesale growth fund the target weighing of the fund is around 31% and this will be boosted via my holding I mentioned above to capitalise on the franking credits of arg,bki, and wam or mir. In addition 24% of the fund weighing will go to the vanguard international wholesale index and I guess I could improve this by getting some IJH us small caps but not something I'm set on. the remaining weighings of the fund will be allocated to global reit's, Australian reit's, emerging markets and fixed interest. I know my personality and I prefer the fund as I can bpay in and the fee at wholesale level is not that expensive and long term it will suit me. I question whether using the lic's I mentioned above would be a benefit and what would you recommend when the lic's are trading at a significant premium to pre tax nta as argo and wam and especially Mirrabooka investments seem to trade at? should I just keep pumping into the wholesale fund and wait for opportune times to get into the lic's again???? sorry for the long post, I'm trying to build up a substantial nest egg and I don't want to beat the market or day trade I just want the market return with as little fuss as possible. I currently save around 70%of my income and I also salary sacrifice into super around 20% with the employee match and have paid off my ppor, so I'm debt free and still pretty young at 33. hope some ppl can give me some suggestions as I have seen a couple advisors and they keep pumping their own products heavily laden with fees and commissions and quite frankly the advice and suggestions on this forums outweigh the advice given by these chaps.