Thanks Fuskie, the avg of the 3 funds ytd is 10.1%one small cap, one large and one international.My self managed is 25% with HFC carrying the load, and I am trying to be deversified so that when Government drivesthe US of the fiscal cliff I have something resembling a parachute.Thanks for the reply and I am researching CAPS to see what other Fools are saying. Good Day to you, KG
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