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I use ING Direct and Rabo Plus personally. As for managed funds - you probably have as much experience as any by looking at how your portfolio in your superannuation has performed over time. The Y-man

Bit of a difficult one..... Getting a loan even after a deposit is saved could be either very expensive interest wise or not available - unless she has steady income by that time. One possiblity she might want to explore would be to put the money into a managed fund or REIT with a view to...