<prompt> Human: Hi all, earlier this year I invested a small portion of my house down payment fund with a financial advisor. The fund the advisor chose is MFCDX and these Marketfield funds have been completely tanking this year source and so far we are down 11.I am not used to having money in a fund that moves opposite the SP 500 like this. Should I sell low and cut my losses, or hold out and hope it rebounds? I will be needing the money in about two years.And yes, I am aware that it was a bad decision to invest money I would need in such a short period of time. And no, I wont be using an advisor again.  <response>: Wow. Before I even look at its YTD return, I see that it has a 2.5 expense ratio. I didnt even know they came that high. That means you lose 2.5 of your value every single year to pay for management expenses. Second of all, you have a 1 deferred sales load. That means whenever you sell your shares, you only get 99 for every 100 you have in the fund. The horrible YTD performance is only icing on the cake. This would be a horrible fund to be in even if it did great this year. I wonder how much commission this financial advisor got by selling you this fund. I would absolutely cut my losses consider this silver lining: the deferred load is minimized when you sell at a loss! 