A few years ago I invested $20K in some Rabo Captial Securities (http://www.rabobank.co.nz/Investing/...are-offer.aspx) without really knowing much about it. I was attracted to the high interest rate and that fact that it was a PIE fund.

Anyway, fast forward to now and I still don't know much about them! It says that the interest rate is guaranteed for the first five years. What happens after the five years is up - do I get the opportunity to withdraw or continue investing? Or is it a fixed term?