Completely agree with beanmaestro. hindsight is always 20/20. You can also take that 80k and put it in numerous other mutual funds that over the last 5 years yield greater than 30% which you give you as much as $350k in profit from that $80k initial investment. Since we’re talking about hindsight investing, we can put that money you made up to middle of last year and invest it in Latin America and made over 300% in the last 12 months. How’s that for hindsight investing? :-D.