tar42:

I have never seen the advantage of investing in a core holding like the Total Stock Mkt Index when I can hold well managed managed funds. And no, Jerry, I don't know how they will do in the future any more than you know how your investments will do!

Tim - If you have interest in learning, you could start by reading "The Little Book of Common Sense Investing" by John Bogle. Read this book and then tell me you don't see the advantage and why.

Take care,
Jerry