http://www.sec.gov/Archives/edgar/data/912036/000119312511328616/d265000d497.htm
Class N Shares and Class I Shares
Supplement dated December 2, 2011
to the Prospectus dated March 1, 2011 and Summary Prospectus dated March 1, 2011
IMPORTANT NOTICE
This supplement provides new and additional information beyond that contained in the Prospectus and
Summary Prospectus and should be retained and read in conjunction with the Prospectus and Summary
Prospectus. Keep it for future reference.
Effective immediately after net asset valuation on Friday, December 16, 2011 (the “Soft Close Date”), the ASTON/River Road Dividend All Cap Value Fund (the “Fund”) will not accept additional investments until further notice, with the following exceptions:
— Existing shareholders of the Fund may add to their accounts, including through reinvestment of dividends and distributions.
— Financial advisors and/or financial consultants who currently have clients invested in the Fund may open new accounts for current or new clients and add to such accounts where the Fund determines that such investments will not harm its investment process and where operationally feasible.
— Financial advisors who have approved the inclusion of the Fund as an investment option in a model and such inclusion was approved by the Fund prior to the Soft Close Date may designate the Fund as an investment option.
— Participants in retirement plans which utilize the Fund as an investment option on the Soft Close Date may designate the Fund where operationally feasible.
— Trustees of Aston Funds, employees of Aston Asset Management, LP and River Road Asset Management, LLC and their family members may open new accounts and add to such accounts.
The Fund reserves the right to make additional exceptions or otherwise modify the foregoing closure policy at any time and to reject any investment for any reason.
For more information, please call Aston Funds: 800-992-8151 or visit our website at www.astonfunds.com.

Hi scott,
Amazing....especially this....."retail investors have withdrawn $214 billion from domestic equity mutual funds since the beginning of 2010. "
So, after the fire ball run in 2009; which was really set in place, at least by simple charting around June, 2009; many folks took the money and ran.
Scott, I have not read the ICI report; and perhaps you have not, but if so or if you are aware; what does ICI consider as a "retail investor"? I know this is not just Mr/Mrs Public person. I ask about this as articles over the past year or so have noted pension funds and related large hoards of monies have moved some of the money to hedge funds.
As time allows for me to investigate, or if someone is able to provide what is inclusive to ICI in determining a retail investor, for their purposes of chunking the data.
A point on this that was discussed a few times at FA, is the beginning edges of some drawdowns by boomers. One must also consider that some retirement accounts have been drawn upon by those who have lost their work and really need the money to live and provide for the family. A big chunk may also be sitting in or has been moved to the "stable value" sections that exist in many employee retirement accounts.
Head scratch..............is the FED supporting the bellweather SP500; so that the machines or human traders don't head for the exits ???
Thank you, scott

Howdy kevindow,
First and foremost; while any of us may disagree upon who or what is good, bad or ugly about the system of money and all related matters in this country, I fully expect and want no one to become pissed off and not remain at this site for discussion, observations, investment ideas and all areas related.
All at this forum lend their free time to express wonderful ideas of where one's monies should be invested for the maximum benefit as related to one's tolerance for risk and reward.
Not having an opportunity to have one hour of time to fully discuss matters of greed or otherwise for those folks you noted in your post; I am not able to offer a personal opinion as to what motivated these folks.
I will note that it has been reported that Steve Jobs "hung out" in his home town at the local businesses, visited the local Apple store and could be seen "just walking down the street". His vast wealth did not cause him to choose to build a mega-mansion and similar related items that could indicate a form of greed and grandeur often associated with some of these type of persons.
I will also add to your list of names, Nikola Tesla.
No, I can not agree that greed was a primary motivator of those you noted; for the reasons above and not being able to chat with these folks directly.
As to your statement about government "not" having a function to protect the citizens from greed; one would have to fully define the greed factor. One could and may argue that your view of greed may indeed provide for growth. The major problems that grow from the greed is the unethical and immoral issues that raise their ugly heads and are not a form or function that are productive. Theses areas do need to be monitored. As I do not have the time in my day to write a book about this; I will offer that one area of concern is readily apparent, and that is the ability of investment houses and similar to play in the "insurance" sector of trying to cover their bets with the various derivative products that are levered 40 to 1 or whatever. This area is danger to all, and should be regulated. And these items of leverage are not named insurance products; as they would they then would be regulated by existing laws.
As to the FactCheck: " Gramm’s legislation had broad bipartisan support and was signed into law by President Clinton. Moreover, the bill had nothing to do with causing the crisis, and economists – not to mention President Clinton – praise it for having softened the crisis." No facts are offered as to what/how this legislation actually softened the crisis. Someone wanna give me the actual facts on the matter? And as to trusting the judgment of economists noted in this quote; well, I have more faith in the broad based opinions here at MFO than from the vast majority of economists, many of whom may rely on computer models and should get out of their ivory towers and walk among the folks in the streets of the many towns and cities of this country.
Overall, there are several areas from your write that I view: greed, passion, ethics and/or OPM (other peoples money).
---greed: I view the word greed with negative implications; being in bed with unethical considerations and without regard for others and not caring about the ramifications of actions, aside for the betterment of the person or persons directly involved with the greed....Mr. Gordon Gecko, eh?
---passion: regarding the folks you noted; one could suspect that they had/have a great deal of passion for what they believe in and of themselves and this may not have any connection to greed. Might there be a monetary reward from such passion?........yes, indeed. One may presume that the late Johnny Carson and many similar folks had such skills and passion for what they did or who they were; that the reward of money found its way into their lives. I surely can not say that they became greedy from such wealth.
---ethics: this word should be well understood by everyone at this forum.
---OPM: Ah, when one does not have "their own skin in the game"; this is the beginning of the danger zones.
From 1982-1988, I performed the task of investing OPM's via an investment club and individual accounts; as none of these people knew much about investments and had full faith in me as a person of ethics and knowledge. I could have just as well "hung" their money out into the danger zones of investments; as what should I care, its not my money, its not my skin in the game. But, I did not do this; as this is not my moral or ethical code, and any related failures/losses of OPM's would be a reflection upon my character, as a "decent" person.
The failures that surround many of the problems in "our" monetary system comes from those in the "inside clubs" (of which, we will never be invited). Some of these folks are indeed greedy, some have misguided passion, some don't give a rip, because it is OPM's and some are just plain ignorant of monetary policies and/or legislative actions and spending at government levels, that may have profound affects upon the system to the negative side. This relates to the 535 playing with the oversight and forming the rules and laws. I will note that the vast majority of these 535 in congress have little knowledge of money and monetary policy. Most of them would be will suited to learn about all of this from this forum. This, of course; does not even begin to speak about the lobby crowd plowing monies into D.C.
I can only summarize for myself and family, that I have a passion to continue to grow our monies at this house for our futures. We are not rich, we have always been prudent with our spending habits, excellent savers, very good with the home budget carefully measuring the "need and want" sectors. We don't have grand retirement plans, no post retirement healthcare plans and no known rich folks who are going to drop a load of money into our pockets; upon their death.
Because we have our own skin/money in the game; unlike so many in the congress or those in the big money houses of the world; we indeed have our limits related to the risk/reward game.
Yes, their is a great deal of greed, unethical behavior, criminal activity and all matters related in the world of money. We may only do our best to steer through all of this for our own benefit and protection of our familes for a better future.
I can not fix the wrongs I see in place for those who do not have what we have. Hell, I'm lucky to find a proper response from our folks in D.C. to anything I have ever expressed to them. They are part of the other club and not of the same social status or structure as I/we.
I will proudly state that we help locally with those in need; and that I have personally steered two young couples into the proper direction of their own monetary programs/budgets that had been a ball of confusion to sort their priorities of wants and needs.
Respectfully,
Catch

Howdy msf,
First, I very much appreciate your efforts; as well as the input from everyone, to help define this topic for me and whomever else is taking a read.
Perhaps my wording of "insurance" was not properly used; although you note that an option may be defined in a similar fashion.
I will relate the below to the U.S. market place; but the thoughts may apply to any global sector, in which one may be invested.
---Portfolio shifts: In the most simple form, when one has a need to adjust their portfolio, for whatever their own reasons; portions of the portfolio are reduced or sold in full; with this money needing to find a new home.
An example could be that one is satisfied with a mix of 30% VTI and 70% BND for their near or retirement holdings. But, the market mood is changing (recent actions) and "I" decide that a reduction or total sale of VTI is prudent. I can move the money to BND, cash only MM or perhaps (based upon what I think I see) move half of VTI to BND and the other half to something like SDS or an inverse index fund. The thought being to keep most of the money relatively safe from big price swings with BND while drawing a yield; and also take advantage of the equity market moving down and gaining a positive return from SDS or an inverse fund directed towards a sector of the U.S. equity area. The portfolio now has two positive holdings
Another example could be one choosing to maintain current equity or equity like (HY bonds) holdings, but also buy SDS or similar with cash on the sidelines as a potential "offset" for losses in the equity holdings and potential gains with SDS.
I will note that I understand that this is a form of market timing to some degree and that a reversal of market directions to the positive direction would result in SDS or an inverse index fund now moving to the negative side of things.
The original thread was started to help discover what some may be doing with these type of investment vehicles, inverse tools, when the equity market is moving down.
Tony recently noted this in his post: "Tony November 22, In my IRA, I recently sold some RYMXX and bought some RYCWX, RYWYX, RYVNX, RYIRX, and RYTPX. I did this based on charts of technical indicators, overlays, and market indicators."
Tony's move was with MM monies and he did not indicate that he was also still maintaining any equity positions.
Lastly, with respect to market/sector timing. Our house is not buy and hold; and this places us into being market timers in a most moderate sense. Anyone, in my opinion who periodically shifts money for their own good reasons, is in effect; a market timer. We may move monies among funds no more that 5 times in a year; but we attempt to do this for reasons of trends we think we understand and/or to adjust risk/reward in one direction or another.
Hopefully, this write offers some clarification.
Regards,
Catch

As to the boomers, or anyone for that matter; the ability to learn/study the basics of investments or particular sectors has never been easier; especially in the last 10 years and the development and placement of educational materials at the click of an icon at a web site.
In the wayback days, one had to track down similar info via a visit to the library and/or with reference and recommended reading from the Wall St Journal or Barron's. In the time it would take for some of this exploration, vs today; one could have already found more than enough online topics to aid in learning.
The article did not note where the bond investors were "from"; as to monies invested through retirement plans at their work, via advisors or individuals making their own informed choices.
The bond article itself reveals the basic relationship of bonds in the investing world to outside factors and places a good starting point for knowledge.
We already know the vast majority of those investing monies are likely only using the most basic of reference for choosing where to place their money.
If the investors are not taking some time to discover what can affect an investment of any kind; then they place themselves in harms way and may only rely upon shear luck of choice.
Take care,
Catch

Hi Tony,
A short background note.
We started with Fidelity and IRA's more than 30 years ago. At the time there were not many opportunies for a "regular" mutual fund investor to wander among "sector" funds; with the exception of Fido and their select funds. While 2/3 of our monies were in more traditional funds; as Contra, Growth Co, Mid-cap, Cap & Inc and related, we did wander among the select/sector Fido offerings. In the early years of select funds, one could trade them on an hourly basis......i.e.; 11am, noon, 1pm, 2pm, etc.
So, we have an early history of "trading" funds; and we did well with this and have been in and out of various select funds over the years; although the hourly trading
was curtailed by Fido.
The majority of our retirement accts are not currently with Fido, but the monies in the Fido accts are brokerage types and so we have full access to just about anything we choose.
While we retain a fairly conservative/moderate fund mix; we have discussed a portion of monies in the past and now, too; that may be directed in a fashion as you noted in your post using the Rydex funds. The only index fund at Fido that we have used in their long term bond fund in 2010 (shoul'da been there again this past spring, too).
As to hedging, or what I call; insurance. I am aware to a point, of those who use options to take positions against other holdings for "protection". Using options is a much different aspect of "protection" vs an inverse index of eft; at least in terms of monetary exposure that may be subject to loss.
As to who or when is someone ready for inverse index or etf funds; well, we have kept most of our "funds" faces stuck straight against the winds of many who have been yelling about the low yields on bonds/bond funds and being a "not so good investment". Yes, some day this will shift; but not yet. As to this note; we have had to keep a keen eye to what we sense about market directions and sectors involved. We will continue to learn each and every day; and there will be miscues and good fortune in some areas. The best I/we can ever promise to ourselves at this house is that we know more today than we did the day before.
For your Rydex choices; do you find the indexes to be more suitable than a similar eft serving the same purpose; as to cost or other? What leads you to use the index funds vs etf's?
I thank you for your input previous and guidelines/suggestions you may choose to provide.
Take care,
Catch

I agree with Kaspa that it's difficult to do well with the 2/3x funds over the long term. I've used the Rydex inverse funds at times throughout the last couple of years, but I haven't in months as I've grown tired of tweaking and timing. As I noted yesterday, I have a long-term view on more of my portfolio than probably any time in the past.
For someone in/near retirement age, I'd rather suggest including a Managed Futures fund or something like Merger (MERFX) or dialing down risk. If still inverse funds, I'd suggest lightly including the Rydex/Profunds funds and attempting to work with them to find a satisfactory balance.

http://www.sec.gov/Archives/edgar/data/842436/000139834411002737/fp0003783_497.htm
Alpine Equity Trust
On behalf of the Institutional Class of each Series of the Trust
Supplement dated November 23, 2011
to the Prospectus dated March 1, 2011
Change of Name of Class
Prior to January 3, 2012, each series of the Trust issued only one class of shares. Effective January 3, 2011, that class will be referred to as Institutional Class.
Effective January 3, 2012, certain series of the Trust will also offer Class A shares.
Increase in Minimum Initial Investment
For new shareholders after January 3, 2012, the minimum initial investment of the Institutional Class has increased from $1,000 to $1,000,000.
Effective January 3, 2012 the sections titled “Purchase and Sale of Fund Shares” and “How to Buy Shares” are replaced in their entirety as follows:
Purchase and Sale of Fund Shares
You may purchase, redeem or exchange Fund shares on any business day by written request via mail (Alpine Funds, c/o Boston Financial Data Services, Inc., PO Box 8061, Boston, MA 02266), by wire transfer, by telephone at 1-888-785-5578, or through a financial intermediary. The minimum initial amount of investment in the Fund is $1,000,000. There is no minimum for subsequent investments if payment is mailed by check, otherwise the minimum is $100.
How to Buy Shares
You may purchase shares of the Funds on any day the NYSE is open. The minimum initial investment for the Institutional Class in each Fund is $1,000,000. The minimum may be waived in certain situations as described below. There is no minimum investment requirement for subsequent investments if mailed by check. Telephone and Internet subsequent purchases are subject to a minimum of $100. Shares will be issued at the net asset value per share next computed after the receipt of your purchase request in good order by the Funds’ transfer agent (the “Transfer Agent”) or your financial intermediary, together with payment in the amount of the purchase. No sales charge is imposed on purchases or on the reinvestment of dividends. Stock certificates will not be issued. Instead, your ownership of shares will be reflected in your account records with the Funds. All requests received in good order before 4:00 p.m. Eastern time, or the closing of the NYSE, whichever is earlier, will be processed on that same day. Requests received after 4:00 p.m. will receive the next business day’s NAV.
Minimum initial purchase amounts for the Institutional Class are waived for the following:
o Any shareholder as of the close of business January 3, 2012
o Employees of the Adviser or its affiliates and their immediate family
o Current and former Trustees of funds advised by the Adviser
o The Adviser or its affiliates
o Investors in employee retirement, stock, bonus, pension or profit sharing plans
o Investment advisory clients of the Adviser or its affiliates
--------------------------------------------------------------------------------
o Registered Investment Advisers
o Broker/Dealers and Registered Investment Advisers with clients participating in comprehensive fee programs
o Any corporation, partnership, association, joint-stock company, trust, fund or any organized group of persons whether incorporated or not that has a formal or informal consulting or advisory relationship with the Adviser or a third party through which the investment is made
These waivers may be discontinued at any time without notice.
Please retain this Supplement for future reference.
http://www.sec.gov/Archives/edgar/data/1142010/000139834411002735/fp0003782_497.htm
Name change of some funds and "I" class shares also in link above.

congrats...great job
hope you'll stick around until 85s or 95 yrs old :).... better make ur retirement money last :)...

Congrats Max! I'm at the other end of life yet I'm already dreaming about retirement : )

Though it has come early strictly in terms of age, the onset of my retirement is here. I'm more than ready. It was made official last week-end. It feels wonderful to have all that former stuff behind me. I'm celebrating, quietly. It is GOOD to be RETIRED. Amen.

http://www.sec.gov/Archives/edgar/data/912036/000119312511317229/d258316d497.htm
Aston Funds
ASTON/River Road Independent Value Fund
Class N Shares and Class I Shares
Supplement dated November 18, 2011
to the Class N Prospectus dated December 28, 2010 and Summary Prospectus dated April 6, 2011,
and the Class I Prospectus dated May 27, 2011 and Summary Prospectus dated June 1, 2011
IMPORTANT NOTICE
This supplement provides new and additional information beyond that contained in each Prospectus and Summary Prospectus and should be retained and read in conjunction with each Prospectus and Summary Prospectus. Keep it for future reference.
The ASTON/River Road Independent Value Fund (the “Fund”) expects that it will implement a “Soft Close” if the net assets of the Fund reach a certain level (the “Soft Close Level”) in combination with other assets managed in the same investment strategy by the Fund’s subadviser, River Road Asset Management, LLC (“River Road”). Currently, the Fund expects its Soft Close Level to be between $500 million and $600 million in net assets. As of November 16, 2011, the net assets of the Fund were $469 million. If implemented, a Soft Close will mean that the Fund will not accept additional investments until further notice beginning on an effective date to be determined by the officers of Aston Funds (the “Soft Close Effective Date”), with the following exceptions:
• Existing shareholders of the Fund may add to their accounts, including through reinvestment of dividends and distributions.
• Financial advisors and/or financial consultants who currently have clients invested in the Fund may open new accounts for current or new clients and add to such accounts where the Fund determines that such investments will not harm its investment process and where operationally feasible.
• Participants in retirement plans which utilize the Fund as an investment option on the Soft Close Effective Date may designate the Fund where operationally feasible.
• Trustees of Aston Funds, employees of Aston Asset Management LP and River Road and their family members may open new accounts and add to such accounts.
The Fund reserves the right to make additional exceptions or otherwise modify the foregoing closure policy at any time and to reject any investment for any reason.
For more information, please call Aston Funds: 800-992-8151 or visit our website at www.astonfunds.com.

Andrei, in the post linked below, has some questions re PRPFX. I see that a number of you already hold PRPFX, and so I'd much appreciate your thoughts, as I'm also considering putting some portion of our retirement stash there.
⇒ Link to Andrei's Post

12% N. America stock
2% Europe stock
8% Asia-Oz-Lat. Amer. stock
3% highest-beta bond & commodities
15% core-plus bond
40% core bond, including ~15% munis
10% short-term bond
10% sideline cash, available for investment
Largest stock positions are in Arivx, the stock portion of Vwinx, Vdc (etf), Mapix, Macsx, Prblx, and a 401k S&P 500 index. Largest bond positions are in Dlfnx, Dbltx, Tgcfx, Vwiux, and a 401k total U.S. bond index.
I'm not counting a moderate stash of emergency cash.
Cheers, AJ
Edit: to clarify, I'm on a fairly steep slide toward "retirement," which in my case means what I've been doing for work is (a) largely going away and (b) paying next to nothing anymore. So, the plan is to continue slumming about for small shots of work income, basically as long as I inhabit the surface of this blue-green planet.

Hey, Investor and Scott.
I am grateful for your obviously sincere concern. I admit my portfolio is truly NOT what I would like it to look like at the moment... I am not dismissing your offer to assist with allocation advice. It's just that right now, I am anticipating---along with my brothers, sisters and cousins--- some inheritance money. (Bless my beloved aunt, who never married or had kids of her own!) Instead of revamping soon and then AGAIN later on, I figured I'd wait to get that cash and then deploy it in a way that will truly diversify me further.
Nothing is ever ideal for any of us, I know. I have to "admit" to you that in my portfolio at the moment, I'm holding ZERO cash. My circumstances have ALWAYS been so---- able to invest through 403b at work, but therefore, I've always been "cash-poor." If I had a big lump of greenbacks, I could buy into "this" fund or "that" fund without any delay, whenever the time seemed right. (By that, I DO NOT mean that I'm trying to TIME the Market.)............ In fact, one piece of my portfolio I might choose to cover is just to hold MONEY in a bank account, just so ALL my money is not already tied-up.
For the record: You know of my conviction about Asia, and how all good things are moving toward the Orient and South Asia. The West is dead, over the long haul, and the recent ('08) Financial Crash is not the reason, it is just another brick in the wall.
Here's what I'm holding right now:
1) Cash: 0%
2) MAPIX: 34.24% (Trad. IRA)
3) PREMX: 41.83% (rollover IRA from old 403b)
4) MACSX: 3.12% (regular, taxable investment account)
5) PFE (Pfizer) ---already a piece of the inheritance: 14.83%
6) Israel government zero-coupon bond: pays 5.68%, almost doubling my money at maturity, bought in 2003 and maturing in 2013.
I've not sold the Pfizer and done something else with it because of its good reputation and .20 cent quarterly dividend, though I HATE the very idea of making money off a human necessity: drugs and healthcare.
I invested in the Israel bond before some events which transpired soon afterward which would have steered me away from that particular investment. I turned down the offer a couple of years ago to cash it in early with no penalty.
I have such a big stake in (TRP) PREMX EM Bond at the moment because I rolled-over my (TRP) PRLAX Latin America shares into PREMX when I decided it was time to get rid of PRLAX. I made about 11% or so on my PRLAX stake, but for a period of a few months in '10, it was doing nothing, and I was already late for the huge rise in share price during '09.
Back in '10, I was also holding PRSVX TRP small-cap value fund. I'd held it through thick and thin for about 5 years or so, and it is really an index-hugger. I was sick of its do-nothing performance; I was not going to lose anything (except diversification) by rolling it into PREMX; and after rolling-over the PRSVX into PREMX this past July, I avoided the outrageous 100% jump in the annual extortion ("admin.") fee, which gets charged in August, rather than December, most everywhere else. Now, I've got so many PREMX shares, I'm not charged at all for the annual extortion fee.
But I'm not trying to be "penny wise but pound foolish." I'm certainly NOT satisfied with the very limited way my portfolio is spread-out. I fully intend to find some other sorts of things in which to invest, once the cash comes through.
My short-list includes MWHYX, QRSVX, DODIX, PRSNX. I don't feel embarrassed to say that everything I'm discussing comes to just over $100,000.00 currently, so a LOT more diversification would only accomplish DILUTING my earnings. I mean, it would be very easy to over-do the whole diversification thing.
I prefer to (eventually) get to a 60% bonds and 30% stock and 10% cash portfolio. At this moment in time, I'm sitting on 52.25% equities and 47.74% bonds. I have the EM bonds piece covered (PREMX). I have Asia equities covered (MAPIX and MACSX). I am into the Dow 30 with Pfizer. That single foreign-gov't bond is a specialty item, but is as safe as safe can be. I'd like to find a monthly income-producer in a domestic bond fund which offers better than a lousy 2 cents per share.
All my retirement funds are still not being tapped yet. I have a (new) job and income on which I can live. I'm out of church work now. I am not yet OFFICIALLY retired, but that is already in the works. I am 57. The monthly retirement checks will be invested, not spent. (Less than $500/month, anyhow---in a traditional defined-benefit plan which ostensibly will last until I die. After that, wifey will receive an even BIGGER monthly benefit.)
This is TOO thorough. Thanks for your kind attention and sage advice.

An aggressive retirement portfolio suggestion overweight Asia (just something I came up with as a random suggestion)
15% MAPIX
15% MACSX
15% TEGBX
15% SGIIX (or whatever share class)
15% FPACX
5% PCRRX
10% RNSIX
10% PAUDX

Reply to @MaxBialystock:
Max,
I agree with Scott that 43% on one fund, sector is risky. I think while the portfolio is different, MAPTX will probably not going to give you enough diversification either as you will still be heavily leveraged to the region and I suspect you will get even less support from dividends if you switch to MAPTX on a market decline.
Why don't you post your current portfolio in full here (percentages only) and let us opine where you are missing coverage. For example you did not have much bonds and when you added bonds you again chose an emerging markets bonds. You need more diversification than this, especially if you are going to retire. When you are working you can make up for losses but in retirement you need to be more conservative and I have the feeling you are taking too much risk by concentrating to a few sectors.
BTW, How old are you? In my mind you were still too young to retire but I could be wrong. I remember you had lost your job this year. Is that leading you to retirement?

OK, understood. And yes, I am about to be semi-retired, soon receiving reduced pension checks, monthly. My dividend payers are not yet being tapped for current income. I'm still planning for quite a while to keep those dividends growing and compounding in the tax-sheltered retirement vehicles where they already reside. Thanks, guys.
I DO like Matthews with regard to their funds' performance. I suppose the input I've received from you all leads me to stick with MAPIX. It's just that I am acutely aware of how overloaded I am there. I hold 43% of my whole portfolio in that one, single fund. With regard to customer service, Matthews has their head up their ass. And it's because they've farmed-out customer "service" to BNY Mellon. Their customer "service" is a lousy joke played on the ones who invest their money with Matthews. At this very moment, I'm trying to get something resolved with them. I QUIT dealing with the alleged "customer service" BNY-Mellon people. Their true name ought to be: "Customer Rage and Aggravation-Producing" team. I've got a couple of calls in to the HQ in S.F.

Catch - Thanks for your useful comments. Actually my Roth IRA includes PETDX, TGEIX and now I just purchased $10,000 worth of DBLFX, with only a $75.00 transcation fee. I made the purchase today, selling $10,075 worth of TGEIX. So to sum it all up, I will own equal amounts of PETDX, TGEIX and DBLFX in my Roth account at Fidelity, in addition to $275,000 of DBLTX in my non-retirement Fidelity Premier Brokerage Account. All four funds I am currently reinvesting the dividends, so that when I expect to retire next year, I will take the dividend from all four funds in lieu of a pension. Despite market volitaility I should do quite nicely with the dividends. I would love to hear from David's comments about my current holdings.

Thanks, you guys.I had no particular funds in mind, though I knew I was NOT looking for equities. PIMCO has just recently added some equity funds to its lineup, I understand. I STILL do not use a platform like Fido or Scottrade or Schwab or E-Trade. What I own, I have purchased retail, directly through the fund houses. My IRA was in TAVIX for several years, but just about the time they expanded into different classes of shares, I pulled out the whole wad and put it in MAPIX. It's a TRADITIONAL IRA. And what I'd been holding in an old Royce 403b until last July is now in a TRP Rollover IRA, ALL of it at the moment in PREMX. What I'm looking to do pretty soon, after my ducks get lined-up in a neat row, is to put some more money into a different bond fund. MWHYX or MWTRX are under serious consideration. I realize it's something of a contradiction for me to be with TRP, given my aversion to huge, big, gigantic, monstrously large fund-houses, but I remained there after rolling-over a 403b. I had the 403b there in TRP in the first place just because at the time, available options for 403b accounts were shrinking. TRP was among them, and to my mind, better than some others. The entire 403b thing has always been self-directed by me, myself and I. So yes, on that score, I've been luckier than most, who must choose from among funds that charge a load and carry high fees---because their 403b administrator is clueless about things...
57, semi-retired, I filed for reduced retirement checks, to start after the New Year. My new job is likewise with another nonprofit. (Church work, prior.) And the income is classified as NON-taxable, though the gross amount will never make me rich. I will forever be grateful for the information, evaluations and commentary I've discovered here with this savvy bunch of fellow fund investors. When some more expected inheritance money finally comes my way from auntie's executor, I will surely not squander it on idiotic schemes. And that's all YOUR fault, y'all.