I am thinking of adding CRZ to my super portfolio, at $10.50. What do you think of the stock and that price? I am also thinking of adding to my BEN holding, but am concerned that the price is too high at the moment. I saw Julia Lee interviewed last night and I got the impression from her that she feels all good income stocks are over-valued at the moment. Should I be waiting for a drop in the market?

What is the best app for iPhones for watchlists to monitor your share portfolio?

I bought an ETF on the ASX – GEAR – at $17.83. Given most experts expect the ASX to improve to 5,800 to 6,000 points this year, this should outperform the main index, but are there any downsides to owning a geared ETF? I can’t really see any myself, the only downside I see is the lack of liquidity compared to ETFs in the US Market.

Do you recommend investing in ETFs for retirees? How do you rate ETFs in terms of risk compared to direct shares, or managed funds?