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Sorry, but I would have to take exception to your remarks about Morningstar

Morningstar does offer some very valuable services for subscribers, at least once you get deeper into the offerings. What I'm criticizing is the value of their relatively short term ratings on mutual funds. I'm not alone in this criticism by any means. You can't assess the performance of a mutual fund based on a 3-5 year window.

And on the Champion Funds Newsletter, if you've read it and can criticize it with some kind of substance, fine, but I found it very useful when I subscribed. It gives some very solid information on fund philosophy, track record, leadership, etc. The trial subscription is free; worth checking out. I wonder how long it will be around, since it seems like it would be more useful as a one-shot source of info., rather than an ongoing advisement.
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