It's the end of the 3rd quarter and I'm only $1000 short of meeting my investment goals for all of 2007. My annual goals are only 12% gain for the entire year. Now for a strong 4th quarter and I might see 15%. Gone are the days of 45% returns like we had before the dot com bubble. Real estate has been good up until the end of 2006. I sold mine in feburary 07 and glad I did it's been down all year. How many of you manage or monitor your retirement and personal investments?