If anything, these last two years have taught us that we should temper our expectations.

There's a history of investors jumping into asset classes at their peak, so it's better to temper expectations and not to expect recent returns will continue forever. Will investors be as excited about the diversification benefits when oil is falling, and stick with it?

We were expecting the worst and I think it's meeting those expectations for us at this point.

Guidance for 2006 and the long-term is likely to temper expectations, while potentially setting a base for upside.

We're not recommending it because we expect volatility based on the price risks it takes, and we'd only recommend a fund with such a high expense ratio if it had a very long track record of success. The fund is not a 'sell,' however, since Franklin has a large staff of analysts and the manager does know the approach that Franklin uses.

Just because a fund has 'dividend growth' or 'rising dividends' in the name doesn't mean it's strictly following a strategy of buying stocks that have increased their dividend. Study the strategy of each fund and understand the portfolio.