so last quarter i lost about 4k. i figured i'd better re-asses my allocations. i had one high-risk fund that took about 35% of my cut. i reduced that down to 10% plus i made some other changes so that my portfolio wasn't quite as risky. i also dropped my salary deduction from 15% down to 10%. so, guess what happened? like you can't guess.... that high-risk fund returned a 15% profit! man, i just can't win. oh well, at least i didn't lose money this round either. okay, thanks for letting me vent!