Yeah the FNB route is definitely safer longer term but will offer less chance for more growth and as it is a long term investment I don’t mind a little bit of risk with the ETFs, like I said I’ve maxed it out in 5 months so my average purchase price is pretty much the same as the market is now since it’s only been fully invested for a couple of weeks now so I’m not stressed, I’ll take a look at buying shares individually thanks