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Message: [QUOTE="uconndogs, post: 3629529, member: 57"] Hat's off to you.....really. And at 28 you should have a fairly good appetite for risk tolerance. That said, I'm always skeptical of how returns are portrayed and I am a big believer in John Bogle's belief that eventually returns revert to the mean. Your returns over the last 12 months are impressive, but I would bet you are heavily tech based, and while you handily beat the S&P, I don't think you beat the NASDAQ. If that's the case, you really haven't presented risk adjusted returns. I'm not an investment professional, but I've been in finance and business for almost 40 years now. I can tell you from experience when someone quotes me investment performance I drill down. If I see anything that is inconsistent I hit the delete key. [/QUOTE]