Hi everbody, Boy do I wish I knew about this website, before I first started investing. It is well made and well thought out. Anyway, I am new. I'm in my early 40's and have a disability. In late September 2008 I put all my money into a mastertrust of managed funds. Currently the All Ords is down 1100 from where I bought in. So far the distributions have equalled the fee's needed to buy in. As this is my only source of income+a small pension, I've had to draw on the funds. I understand that nobody can predict the future and it was my choice to do what I did. I live a simple life, split between friends and church. While I can read and enjoy "Ascent of Money" most investing books are too heavy. My funds have gone down from the moment I've had them. Yes I have a budget, Yes I am a spendthrift, No I don't have any debt or card debt. I don't drink, smoke, gamble, go out, buy clothes or own a car. But my funds have been sinking from the moment they hit the water. I don't know how I can withstand the pain. Where do I go from here? Johny.