Yes Blue, there is a better way. I(we)had about 50,000 in Franklin Mutual Shares and Fidelity Contra, which were both Morningstar 5-star funds. With compounding they were returning close to the S&P500, but had done less well in 1999. So, on the advice of a good friend, also retired, I began redeeming shares from the mutual funds and investing 5,000 each month in the Keystone 12 (see the MF's Workshop). Beginning in November '98 and continuing thru December '99, the strategy returned about 150%. It was the perfect year to do it and I don't expect similar results in the future. For the longer term, I'm sticking with the winners that were bought thru that screen, selling off only 2 of the 14 stocks purchased, I couldn't be more comfortable with the present holdings.