Monthly payment to Foriegn and Colonial zero dividend preferance shares exellent growth rate since I started. Recommend it to anyone. Added bonus is there are no fees to manage your fund (split between X-thousand investors)so you don't find your cash lines the pockets of the men in red braces. Had to do this as the company scheme is awful 3% of salary (5-10% seems normal in Balpa and IPA's pay scales).