On the other hand when you have to answer "yes" it starts opening up a bunch of complicated questions to wade through. I put a small amount of money into some investment funds a couple of years ago and now I get to wade through a whole bunch of extra questions, all over tiny amounts of money. It's all stuff like $20 of franking credits, $2.31 in foreign investment offsets and $6 of capital gains. I'm looking forward to hitting the age I can access Super and can just shove money in there and take it out tax free without all the hassle.