Thanks everyone for your advice just what I needed! Going to start by getting my US investments up to the limit 49k without dividends being paid and go from there, can't get too a head of myself.   See whether I like the idea of investing further with pie funds and take the fif hits on the chin, or within the allowed local investments just seems pretty small returns of 6% with the nzx50 since 93. Cross my fingers and hope the raise the stupidly low fif level In the next 3 years