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Thanks for taking the time to look at this Hawkwin. FYI - the returns I listed were for the past year (except PQUBX), not YTD. But thanks for pointing out the flaws in my analysis. I'm new to this and just learning how it all works. I will definitely take another look at my positions considering the points you've made before I go ahead with any sales.

And I should apologize for my cynicism towards financial advisors - I've just had three straight bad experiences with them (first one bought me into B-shares without telling me the costs associated until he emailed me one day to tell me he would no longer be handling my 401K, the second one ignored me for 3 months until I had to find the third one, who almost convinced me to put all of my money in an account that charged a 1% wrap fee on top of a $1500 yearly retainer).

Thanks again.
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