Terry, keep using that wallet investor site. It is based on pretty much nothing. I had to look to see what it was since I don't use online stock predictors to make monetary decisions for me. It doesn't take any new products, PR's, growth, or anything into consideration. It bases a 5 year model off of the previous quarter chart. If you rely on this type site, I would suggest seeing a financial advisor. Give them a weekly or monthly payment so that they can invest in a group of funds and use real time/real people to make your investment decisions. I do this for my kids 529 college account and it does pretty good. Just my advice.