Good point.  I do have a fair amount of MERKX--I'm sure Axel is better at this than I am.  Also at this point my international equity % is just about equal to my US--and most of those aren't hedged.  My FIDO advisor suggests FNMIX; any thoughts on that? (I know you don't like fees or other people managing your money)--but of that universe what do you think of it? 

Dr H