Only ambulance chasers come out ahead. Let history teach us all a valuable lesson on this. The best thing to do now is BUY LOW!!!!!!! Don't give your shares away now - hang on and add to your existing positions. This will eventually come back as all stocks and bonds do. It will just take time. If you liked this mutual fund at $10.00 you are going to love it at 6.20 as long as you have a long term horizon for holding it. Otherwise put your money in a FDIC bank account. If anyone out there was "duped" into thinking there was no risk in these positions; welcome to the real world. All investment mechanisms COME WITH RISK!!!! SWYPX is NO EXCEPTION. On the otherhand - if you have a long term horizon; there is 2-4 dollar upside potential in this fund. Just be patient. Just my opinion folks.