The Hudson Yards project isn’t Mitsui’s only new stateside venture. The company is also building a new 300-unit rental development at 160 Madison partnership with DLJ Real Estate Capital Partners.

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Not all of the strategic funds underperform, of course.Although the Vident ETF, which costs 75 basis points, is laggingits own index substantially - it is down 1.8 percent year todate through Dec. 29, while the Vident International EquityIndex is down 0.37 percent - it is beating the plain-vanillaVanguard Total International Stock ETF - which is down3.06 over the same period.

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But if you'll be leaving too much behind, and you're just a few months away from being fully vested, Webster suggests hanging in there. "Those extra months could end up saving you a lot of money down the road," he says.