I have a lot in my tax-deferred account (no load RWIFX through TIAA).  I like the quarterly dividends, which are a little consoling in the down times.   I also like the M* ratings on peroformance and risk.

See this thead too:

http://socialize.morningstar.com/NewSocialize/forums/thread/2533448.aspx

Here is an interesting seasonal analysis (unverified)

http://www.gregthatcher.com/Stocks/StockTechnicalAnalysisDetail.aspx?ticker=CWGIX

With my record, I cannot offer good advice - especially on timing!  Happy 4th and good luck.  j