OK, someone said this is a great fund. My financial advisor put me 100% into this (with its low expense ratio) and I pay him 1% annually in fees on total value of portfolio. Like an idiot, I have gone along for the ride to pay him to put me into an INDEX FUND. I can easily find a basket of funds myself, keep the 1% and still have low expense ratios. Further, this fund is very young and for the past 1.5 years is a laggard.