You're a bag holder if it was your intention to cash in quickly. Then you didn't play the game to any kind of plan. You could describe all mutual fund investors as bag holders also on those terms, but over the long haul with the dips and peaks that all charts do, you have to wait for the high point if you are a long. You have had the option of selling after a high and buying back after a low but you have chosen not to do this. That takes discipline so you've learned something about yourself. You are absolutely correct, you made your own bed, so why blame others for your predicament. You have the marvelous opportunity to learn from your mistake, however you still seem to think that you can't take action. The market doesn't remember what you paid for your stocks or what the sp was last week. If NOT goes down to .75 tomorrow you missed a good opportunity today to increase your shares. The game is liquid and you likewise have to become flexible. Your inhibitions are yours to conquer, this is your experience, not the permabulls you'd like to blame.