I've been holding this one since Y2K, and it's been a tough ride...which is quite an understatement! But, then, the same could be said about the market in general since the Bloodbath of 2002. Oelschlager's no slouch, but the fund is concentrated to, basically, clean house when the domestic and global economies are doing well. When the economies go bust, funds with concentrations like White Oak has (Tech, Health Care, and Financials) get beat up worse than the S&P and Dow averages...it's just a fact of life with a fund like this. Whether or not to buy, keep, or dump it depends on an individuals point-of-view about the economy in the long run - will it once again be runnin' hot, or not? If your outlook for the economy is grim, don't touch this fund!