ken mahoney joins us now to discuss this, ken, good to see you. let's put this in perspective. over the year, tech is up about 18%. but we have completed earlier this week the biggest two-day slide in tech of the year. how concerned should people be about how much they're invested in tech in their 401(k)'s? >> they should be concerned. the f.a.a.n.g. stocks, facebook, amazon, netflix, google, people use these everyday so the leadership is pretty narrow. what we really want to do is start looking at these portfolios and start diversifying. last friday, at one point the nasdaq was down 172 points, there seems to be rotation. so most investors may stay in this party too long. they may want to rotate, much like the money managers are rotating, into other investments that get better diversification. >> but these are mutual funds. when you think about something like the fidelity 500 index, how should you think about it in that context? >> a lot of investors, 401(k) investors, have different funds in different choices. most people go through and see the best five-year return, click, c