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Well, you could move them to an index fund which is in line with step 4 of the 13 Steps, or go another route. Large-cap growth was great in the late 1990s and then in 2000 it got sucky(Look here for the details: http://www.spglobal.com/trdec00.html ) so now what? I still think indexing is a good way to go if you don't want to get too deep and if you want something else go explore it as I'm still on the notion of indexing as a good thing and that various index combinations may work well.

If you doubt the large-cap growth dominance mentioned above, notice how from 1994-1999 in each year, Vanguard's Growth index beat the S & P 500:

http://quicktake.morningstar.com/Fund/TotalReturns.asp?Country=USA&Symbol=VIGRX

JB
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