This is all part of rebalancing and having conviction and timing, dw I did the same we bought avh and vul at ath, they tanked 30 percent t I bought zip, tanked 40 percent, I dollar costed down with zip and rebalanced with Exr, ctt, zip and bd1 and am just up 10 percent now. It's a hard one as the value play is opy, lby and perhaps szl however these companies need to really smash the UK and us market and also over deliver, lby still fairly new
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laggard compared to APT SZL and Z1P, page-30
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