I started in 1994 in the 15-year plan. I too am not overly thrilled with the performance, but the market hasn't treated us too well over the last 6 years. I'm hoping the share price goes up this year. I'm still in the positive even though selling off about $5K worth in 2003 when buying a home. Appears you have done well in tripling your money is about 19 years. The dollar cost averaging over time helps and systematic investing appears to have worked for you. It has for me as my account is worth about $35K at current share price. I hope my 2,900 grows even more this year. I'm hoping this year the $12 price will grow to at least $15(pre-2001 prices)...that will be another $10k in growth for me. I can only hope. $10k growth on a $35K balance isn't too shabby if you ask me. I may sell off some this year to put in a IRA for tax purposes, but plan to keep the rest. I also invest in a 401K so this FDTX is really my emergency cash source if I ever need it.