Think I may need to dig deeper into this. But a few questions that one of you may be able to answer. Seems like you won't get super large returns but on the other hand you won't risk super large losses either.

But sounds like instead of having cash on a bank account, earning no interest, it may be worth putting them into EFT's? Or have I totally misunderstood? Is it only possible to tie your money up for longer periods for instance?

Any caveats as Dane looking at Vanguard? Fee's, cross rates or other I may have missed in this?