Good level to sell at. I understand your frustration with VNQI, and certainly, the beauty of ETFs is the ability to trade them. I'm sure I'll be selling some or all of my VNQI at some point, but right now, it's helping diversify my portfolio. Like you, I've purchased VNQI at various levels. Overall, I'm 55 percent in bonds and most of those are in high yield. Equities are diversified with VNQI giving me access to something missing in my portfolio -- international real estate. I like VNQI because it contains lots of holdings, so the fund itself diversifies to avoid concentration. The dividend is good enough for now, though I'm hoping it grows. Meanwhile, I'm staying in VNQI for the diversification it offers. In fact, if we have another major market downturn, I'll likely add to my VNQI holdings.