Hi Alton, re XLU I too started a new XLU AIM program today. I paid 41.67. It is interesting to note the following CAGRs (longrundata.com) until today, divvies reinvested: since inception (Dec 98): 5.74% 15-yr return: 6.69% 10-yr return: 6.64% 5-yr return: 12.23% I am buying this for the 4% dividend and prepared to do a couple of adds if the price drops by 20% (very likely IMO).