I don't own Total Stock Market but do own Index 500, which has performed even worse. In the case of Index 500 I believe it's largely due to financials being about 20% of the index. With TSM you also have mid and small cap stocks that have underperformed the Dow and NASDAQ this year.As you say, you're in it for the long haul. Don't let one year discourage you. Over the past several years TSM has performed well and it will again. My feeling is financials will get their act together in the first half of '08, have a very strong 4th qtr and continue to outperform in '09.
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