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No. of Recommendations: 1
I am thinking about splitting mine into 5-7 funds; but first I'm hoping to recoop some losses.

This is not the proper way to think about an investment. "I will get out as soon as I have recovered my losses" tells me that you don't understand what you're doing.

Why is it so important that you stay in your current fund until the balance reaches "X"? Is it because you think your current fund is likely to do that quicker than any alternative you can think of? And if/when that does happen, what would you switch to? Something that's "better"? If the alternative is so great, why don't you switch now? If your current funds do charge ahead and "recover" your losses, as surely as you're reading this post your attitude will change. "Well, it's doing so well I guess I'll stay with it," you'll say.

Pick a fund; understand what it owns; understand the manager's outlook, and forget about it. Revisit your assumptions every couple of years, or if the manager and/or his approach changes.
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