No, sorry about the confusion. When I said "(my 2nd best fund theory, no exceptions)" I meant that you always choose the 2nd best fund, without exception. Even if that would be a G or F. Sorry about that. Your point about always being in a stock fund got me thinking more clearly.
Also, I got the following:
2007 was 1.18%
2006 was 22.46%
2005 was -3.03%
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