I don't come to this message board often, but it is good to see a board that has individuals talking about the stock or fund and not pushing a web site. This is the time to buy this mutual fund. Not sure about today after the big jump in financials, but as I said in my last posting averaging into this fund will only be a great approach to investment here. Small caps and financials have been way down. This the time to get in, not out. You are going to be seeing excellent returns this year if you bought after Feb. Hope you didn't sell at the lows in July.