i will just point out the fact for eveyone about investment: Please, read the strategy of PETER LYNCH the one time behemoth, fund manager of FIDELITY MAGELLAN. still now it is the best performing mutual fund in history. with Average of 18.39%. and if you look @ the return in last 10 years (since he left) it has been only 7.17 and has been lagging behind all the indexes. but still is the best performing MUTUAL FUNDS. so you need not have to take any risk except follow common sense while investing it will all fall in place ======================================================= as always what do i know