It's not a bad idea to try to have a few dollars handy to pick up some shares if they go really cheaply. Even if you have to sell a handful cheaply right now.... summer is about here and go away in May is perhaps just a little delayed. Some think it won't happen this year (some sectors do well) but I think news is not going to be that plentiful and assays will be what they usually are as far as timing goes. Even if you only pick up a small amount if they go down to low .60 or .26 or so for FWR, this summer you'll feel more empowered if you are able to participate in the summer sales instead of wondering why you're holding the bag again. What ever you are comfortable with is what you need to do. Not advice.... just pointing out options.