BYMONEK and others,
I note your positive points,however after 11 years in the Prov Fund,with no AVCs in "managed equities",the "low risk" option my fund is 12000 USD LESS than the contributions.
It will buy me a nice a car but a good generous retirement it is not.
At least not if your planning life after EK in the 1st world.
Off to the pub.QB