A: Thanks for writing in.

I don’t pretend to follow MQG – too complicated a company for me to understand. That said, I know that there are a number of people in the market that like it.

On the other hand, BOQ has had a great run (off a very low base) – and I think they are going to find it a lot harder going forward. There hasn’t been a lot of growth in their underlying businesses, and they have some major challenges in regards to technology and product differentiation.

Legally, I can’t make a recommendation to you without a full understanding of your personal situation, financial needs and objectives. What I can say however is that in my situation, I wouldn’t rule out the idea.