

This year might not have been our best, but I can't help thinking that (financial) nature took its course and clawed back some of the extraordinary gains we made in the last year. So I'm not asking: Where did we go wrong? I prefer to ask: Where would we be without the SRF? I shudder to even try to answer that question. One way or another, all of us need a retirement fund, and there is nothing better than the SRF.
Trustee Barry Millington