Admissions of this sort are not easy so kudos to you. What was the turning point in your opinion ? The further collapse of NAV ? The diminished monthly payment ?
I was a bit perplexed on how even direct mathematical evaluation of this fund performance didn't shed the light. The Prospectus math is the first thing taught to any Mutual Fund Manager. If nothing else these MFMs are excellent at spinning the numbers to make 98 cents look like a dollar and a 3% gain look like 20%.