Stevie, my post was to warn those that choose to invest in BoI Smart funds that whilst their funds maybe Ok, the problems that could exist far will supersede any gains you might make. A nightmare of a company, and after being to the Ombudsman and the High Court, winning on each occasion, it just does not get any easier. The easiest and best approach for those wishing to invest is to go with a Financial Provider that won't cause you grief especially when it is of their making. We have all seen the greed of the FPs in this country. It is not just banking; it remains in every aspect of their business.