I have had it fopr eight months just to recoup heavy front load expenses. The price hasn't appreciated much, if any. I didn't like the lack of liquidity (can sell only four times a year) and a maintenance at 1.35 percent which cuts into the return. Some of the holdings are risky especially in subprime sector. I have sold a major part of it. Will appreciate any comments at: Rajendradheer@gmail.com