Broken record...LOL. I don't care where your money is invested...as long you hold "stocks" in your portfolio, you're gonna lose money. The important thing is to increase the value year over year. How many people have been screwed by the "experts". You sound pretty smart...like the Enron execs...LOL. Some people are looking for long-term gains...NOT A QUICK FORTUNE! It is their "gamble", and some see more in GZFX than you, ok mommy?