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I understand...but not being a trader...I have built a nice value just by getting in at good times...and hanging in there through all the panic cycles...this one is hard to ride out...portfolio has declined 36% form its high...have decided not to commit more funds since when all said and done...who can really say if this survives as set up currently? Meanwhile I will hold onto what I have as still am a believer in the concept and not a believer in dollar based assets long term...

I do understand. Personally, my portfolio went down by about the same percentage as yours. It's hard to put in your hard-earned money after all...

Thanks for input...