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FYI: ( Russ ! what have you been smoking ?) The markets enjoyed a great rally in 2017, and then we gave some of that back in recent weeks. I don't know if this is a dip you should buy into or the first leg down in a serious sell-off. Regards, Ted http://www.morningstar.com/articles/849136/12-funds-for-2018-and-beyond.html