Thanks for the input guys, after reading that with a level head, i guess i was getting a little to over my head.

I have 4 years left of the fusion fund and a large portion of it is invested within the chinese industrial sector which im sure has more to come?

I was aware that if the investment is in negative when i want to exit i would pay the difference, me being so oblivious to the markets and how they work (only starting investing when everything was going great) thought the investment would never hit the red territory! Haha, hows that for a reality check? Not to mention my bright idea of buying rams home loan shares at $1.18

I think its best i leave my investment decisions to the professionals. I will arrange a meeting with my FA later in the year after tax time etc and see where we stand.

Thanks again, its great to have a place to discuss these matters.