Hi Captian bro, i'm still not sure about the picks going into 07. the way this year turned out, my initial strategy was to go 75% cash (not confident abt wall streets' health) and 25 % stock (i am still bullish on biotech & china stocks). but now i feel like that will be being way too conservative, so i am thinking i will go 50% stocks and 50% cash. i beleive there will be opportunity to make money both in long term and short term investments. so, i will be 25% long term and 25% short term out of my 50% in stocks. btw, how is the ROI for your mutual funds?