To almost any degree that directors hesitate, individual investors stand to lose.

Over any given month, investors stood a 65 percent chance of coming out winners.

But when it comes to country funds, investors have stood that truism on its head.

Should investors stand pat or develop a new plan for 2012?

This is serious because some investors stand to gain or lose millions of dollars when a company makes such mistakes.

But its history shows how quickly the founders of a company can cash out when public investors stand willing and ready to buy.

Everything else being equal, investors would stand to lose $100 a year on every $10,000 by investing in the more costly fund.

The report also provides details of what investors making claims stand to receive.

All this does not mean that investors have stood still in the last six years.

If the share price drops below $1, investors stand to lose money on their initial investments.