gentlemen as it began to drop from $10 to $9 to $8 and change ,ive been loading up. based on the nav price as it goes down every 50c i put in 500 per drop. as it sees ten dollars again we will all be better off until we pay the tax of course. this isnt rated 5 stars for nothing and due to the current market turmoil thanks to the fed and bad lending we are able to get this at an extreme disc.if you are dollar cost averaging at say 100pm then i would keep it automatic and cash in based on your goals. mine is still 8 1/2 years away. and how bout those cap gains!!!!