I would not recommend investing in ASG. We started when my son was a baby with the tertiary option. Now, after 18 years all I am looking to get back is my contributions, without interest and with no account of inflation. If my son does decide to go to uni the payments look way too small to cover costs. Maybe he could buy books, but definately not living costs or the HECS debt. He's not looking like going to uni, so we have probably lost that anyway, and they say we only have 2 years before losing any chance to get the small benefit, even if he does eventually go to uni. (I don't remember that condition at sign up)