All good until you decide to take your money out. Then you learn that MVR (market value reduction) is in place. Meaning that SF are going to keep some of your hard earned money (10% in my case). I'm just grateful that I didn't pay in more. Clearly if I didn't mind losing my money I would have went for stocks and shares ISA. Anyway, if you want to save your money - keep it in your back account rather than trusting these frauds.