I have ~$61,000 in self-directed, tax-deferred money in Principal stock mutual funds- 50% blue chip, 20% international, 20% midcap, and 10% international small cap. The overall performance (including expenses, 3.75% front load) has been abyssmal. I want to switch to a 500 index fund and/or Foolish 4, but several "experts" tell me that these stocks are significantly overvalued and do not recommend buying large caps or index funds at this time. Should I be patient and give my midcap and intl funds time to recover, or should I switch to a foolish approach now?