Often, the most beneficial times to invest are those when it is difficult to do so. With news of bank closures still cluttering the airwaves, it is difficult to see past the immediate aftermath of the financial crisis. It is now, however, that investors potentially have the most to gain. Through a balanced approach like KRE, or a managed approach like FBRSX, investors can expose themselves to the upside of a recovering banking industry while mitigating risk. -- Wriitten by Don Dion in Williamstown, Mass.