Good question...I am in a similar situation. Bought originally in 1997, dollar cost averaged for about 4 years then stopped. 5 star ranking but quite a recent run-up. I plan on holding this for another 20+ years. What to do?
I am in strictly non-retirement. I choose this stock as the US housing market and corresponding foreclosures is scarying the hell out of me to invest in US funds. Not to mention next year is the big bubble for a majority of the 5 year arms to expire. I wish you could invest in home foreclosures and homeonwers who maxed out equity and wont be able to refi. That powerball jackpot looks like the best investment right now...
mjbarry4, you may want to look at this fund a little closer. Despite its name, over 12% of it is invested in the US (and almost 17% invested in North America, so NOT "Overseas") and it also is not shying away from financial Services with over 11% of its overall assets invested in financial companies.
Personally, I am less scared of foreclosures in the US than I am the next crisis in some developing market with even less oversight than the US we do not yet know about.