Many trauma/ critical illness insurance policies have had definitions updated as technology has advanced.  However, some have not.  The risk here is that you may hold a policy with outdated definitions which mean you may not be able to claim on the contract.  For example, 10 years ago you needed to have open heart surgery to claim for a heart condition.  Today, the same procedure can be performed with key-hole surgery.  If you hold an older style policy, you may not be able to claim for key hole surgery, or other condition not covered by the older style policy.  Check when YOUR personal policy was last updated.  

The government recently introduced an incentive for first home buyers to save for a home.  In brief, the government will make a contribution equal to 17% of your personal contributions for the financial year up to a maximum of $850 for the 2008–09 year. So if you contribute $5,000 or more to your account during the 2008–09 year, the government will contribute $850 to your account.  That is a risk free and tax free rate of return equal to 17%.  There are restrictions on withdrawal such as needing to leave the money in the account for 4 years before you can access the funds.