Thanks everyone - I feel welcome here. I heard about UNVC through my wife's best work friend who's husband has been invested for at least a year in UNVC. I admit that I know nothing more about UNVC than what I read from these boards. My main reason for sticking with UNVC is absolutely FOMO. I don't want to hear my wife tell me how her best work friend and husband are retired and I missed out! I'll let my 100k shares ride!