Q: Hi,

I am somewhat surprised by VRIF's poor return. I thought one was "assured" of safety and can withdraw 4% a year.

Should one look at Vanguard's VIC series ETFs? I don't know much about VIC series ETFs at all. Any words of wisdom?

Q: I WAS TOLD THIS WAS A EXCELLENT CHOICE FOR RETIREMENT 2 YEARS AGO. IHAVE BEEN HOLDING AND ADDING TO THE FUND FOR 2 YEARS @ AVERAGE OF $25.50. WILL THIS FUND EVER RECOVER. THANKS

Q: Good Day to 5iteam: Would you consider this fund a good candidate to crystallize a loss or a better to hold if other options are available? Down about 9 to 10%. May consider buy back in 30 days but in no hurry for the income I bought it for in retirement. Tks. Larry