I think we are starting to see the bottom for this fund. If you have not already sold then I would ride this one through. Like all funds we took a big hit this year. You may have gotten out of this fund and into another and ended up with about the same results. This is a well diversified fund but that doesn't mean it can hold its value during this economic disaster. When the market finally bottoms out it will be the stock market that leads the way to recovery first. I have sat tight just waiting the downward trend to work its way out. Gets a little frustrating at times but I think for next year this portfolio is in as good of a position as any to recover our losses. Just hold on and as always these bad economic times will pass.