Yeah, everything in you says dont sell low BUT I have no confidence this fund will improve. You have a multiyear track record of falling prices, not just in the crash of late 2008. Another point to ponder, stock index funds, oil, gold, will all rebound with far more strength then muni's.
I was a 'victim' of the diversification pep speech and those inspiring words have been very expensive.
Will think real hard about moving money out of USTEX next week into oil related investments. I think we all know $40 oil will be a distant dream in 12 months and much sooner if any geo-political event occurs.