The best way to play this fund is to open an account at the minimum deposit and add what ever you can each month. That has always worked long term. I personally think that this is one of the best funds out there right now, although a little heavy in financials. Redemptions have been high, but so have all other mutual funds as investors ran to the sidelines with cash. Sooner or latter they will come back. This fund is down only 30% YTD, compared to 40% and 50% for other funds. Just remember, buy low sell high. It’s hard putting your hard earned money into a mutual when the market is low, but that’s how you come out ahead in the long run. I think it is unrealistic to see DOW 14,000 again for many years to come, IMO. However, if we go into a depression, all bets are off.