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If only you could do 10% in 3 weeks for another 15 years. LOL. Doing your own plan you will be so much further ahead than a buy and hold 401k plan.

very, very concentrated fund, 5 holdings make up 46%.

Right. Holmes runs the fund. Smart dude but I need to set mental stops considering that it is a mutual fund. But I think the overall trend is UP from here. Thoughts?