MINNEAPOLIS - This year has been one that most investors would love to forget. The Dow is down more than 40 percent from its October 2007 peak, and 99.7 percent of U.S. equity mutual funds are in the red.

MINNEAPOLIS - This year has been one that most investors would love to forget. The Dow is down more than 40 percent from its October 2007 peak, and 99.7 percent of U.S. equity mutual funds are in the red.