Buying mutual funds doesn't mean "buy-and-hold" . You should re-balance your portfolio from time to time. Deversification is key. Did you watch your value of portfolio keeping droping last year without taking any action, if you were holding MFs?Why not switching to money mkt funds or bond funds temporarily? It's normal one didn't do anything at 15000, but it isn't good one still didn't do anything at 12000. 20% drop of the mkt means it turned to bear mkt.
-thomast(Train);
2009-5-27{218}(#5295182@0)