Shifting fortunes: with the stock market ready to pick up steam, it may be wise to reposition your portfolio for future growth. We offer a selection of 90 funds to choose from.THINGS COULD BE BETTER ... BUT THEY could be a lot worse, too. That was the state of mutual funds in mid- mid- pref. Middle: midbrain. 2004. As of the end of Nay, stock funds were up a trifle tri·fle n. 1. Something of little importance or value. 2. A small amount; a jot. 3. A dessert typically consisting of plain or sponge cake soaked in sherry, rum, or brandy and topped with layers of jam or jelly, and bond funds had lost a little ground. Considering the geopolitical ge·o·pol·i·tics n. (used with a sing. verb) 1. The study of the relationship among politics and geography, demography, and economics, especially with respect to the foreign policy of a nation. 2. a. turmoil and rising interest rates we've we've Contraction of we have. we've have already seen this year (the Federal Reserve hiked the rate to 1.25% on June June: see month. 30, the first increase in four years), investors can take some comfort in the fact that we haven't have·n't Contraction of have not. haven't have not haven't have seen a repeat of the 2000-2002 bear market, when stock funds suffered three straight years of severe losses. Here are the highlights so far, according to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. Chicago-based mutual fund research firm Morningstar Inc.: * Domestic equity funds were up about 1.4% on average. Among the major categories of stock funds, the best performances were turned in by those holding small-company value (bargain priced) stocks. * Taxable bond Taxable Bond A debt security whose return to the investor is subject to taxes at the local, state or federal level, or some combination thereof. Notes: The majority of bonds issued are taxable bonds. funds lost more principal than they paid out in interest. (Some interest rates rose, which drove down the price.) Net of these payouts and losses, the average bond fund lost around 1%. * Only a few subcategories of funds didn't did·n't Contraction of did not. didn't did not didn't do come anywhere near breaking even. Foreign, small-company value funds and domestic healthcare funds did the best, gaining a far-from-breathtaking 6%. The big loser (jargon) loser - An unexpectedly bad situation, program, programmer, or person. Someone who habitually loses. (Even winners can lose occasionally). Someone who knows not and knows not that he knows not. was the precious metals Precious Metals Valuable metals such as gold, iridium, palladium, platinum, and silver. Notes: Investing in precious metals can be done either by purchasing the physical asset, or by purchasing futures contracts for the particular metal. category of funds, mainly gold, which lost 17% after three straight years of sparkling returns, Going forward, it's it's 1. Contraction of it is. 2. Contraction of it has. See Usage Note at its. it's it is or it has it's be ~have impossible to know whether a surging economy will cause funds to move up or if funds will topple due to factors such as inflation, lack of consumer confidence, and terrorism. Alternatively, they might, just putter along in what the pros call a "trading range Trading Range The spread between the high and low prices traded during a period of time. Notes: When a stock breaks through or falls below its trading range after several days of trading in a range, it usually means there is momentum (positive or negative) building. " for the rest of the year. Amid such uncertainty, it's best to hold funds that can preserve your principal in rough times while still giving you a shot at decent returns in case the bull charges ahead. "Start with a basic asset allocation Asset Allocation The process of dividing a portfolio among major asset categories such as bonds, stocks or cash. The purpose of asset allocation is to reduce risk by diversifying the portfolio. using different types of mutual funds," says Christopher Traulsen, a senior analyst at Morningstar. "If you're you're Contraction of you are. you're you are you're be relatively young and able to tolerate tol·er·ate v. 1. To allow without prohibiting or opposing; permit. 2. To put up with; endure. 3. To have tolerance for a substance or pathogen. risks, you might hold 85% of your portfolio in stock funds and 15% in bond funds, which can provide income and reduce volatility. Investors who are more concerned about risks might want to own more bond funds while keeping, say, 35% in stock funds to maintain some growth potential." STAYING CONSERVATIVE Brian Pollard Brian Pollard may refer to:
The Village of Liverpool . They think the best way to reduce investment risk is to put some money into bond funds. "We held some stock funds a few years ago," says Brian The name Brian (sometimes spelled Bryan) comes from an Irish backround. It is of Celtic origin and its meaning may be "hill" or "strong, noble, and high"[1]. . "Even though they invested in blue-chip companies Blue-chip company Used in the context of general equities. Large and creditworthy company. Company renowned for the quality and wide acceptance of its products or services, and for its ability to make money and pay dividends. Gilt-edged security. , the stock funds went spiraling down. We don't don't 1. Contraction of do not. 2. Nonstandard Contraction of does not. n. A statement of what should not be done: a list of the dos and don'ts. have a lot of tolerance for risk in our investments, so we switched to a portfolio that was heavy in bonds and cash." Vicki Brackens, a financial planner Financial Planner A qualified investment professional who assists individuals and corporations meet their long-term financial objectives by analyzing the client's status and setting a program to achieve these goals. with MetLife in Syracuse, New York
Syracuse (IPA: , is the financial adviser to the Pollards. As she recalls, the naturally conservative couple became leery of stocks when the downturn Downturn The transition point between a rising, expanding economy to a falling, contracting one. downturn A decline in security prices or economic activity following a period of rising or stable prices or activity. began in 2000. "After two or three quarters of seeing losses on their statements, they'd they'd 1. Contraction of they had. 2. Contraction of they would. they'd have ~would had enough," says Brackens. "Investors must be aware of their emotional makeup makeup In the performing arts, material used by actors for cosmetic purposes and to help create the characters they play. Not needed in Greek and Roman theatre because of the use of masks, makeup was used in the religious plays of medieval Europe, in which the angels' faces so they know how much risk they can take. For Brian and Xandria, it was time to pull out of the stock market." Brackens recommended that the Pollards hold some cash as well as shares of Loomis Loomis may refer to: Places
Of or relating to a variable that has been mathematically converted to a yearly rate. Inflation and interest rates are generally annualized since it is on this basis that these two variables are ordinarily stated and compared. returns for the past three years, making it one of the best in its category. "It looks like the market is doing better and stocks have recovered a bit," says Xandria. "Now [we can think about increasing] our investments in stocks. Even though we're we're Contraction of we are. we're we are still conservative, we're willing to take some risks to get higher returns." To that end, Brackens plans to suggest some stock funds to the Pollards. Her recommendations will include Oakmark (OAKMX), which holds the stocks of large companies, and State Street Research Aurora Aurora, cities, United States Aurora (ərôr`ə, ô–). 1 City (1990 pop. 222,103), Adams and Arapahoe counties, N central Colo., a growing suburb on the east side of Denver; inc. 1903. (SSRAX), which specializes in small companies. So-called so-called adj. 1. Commonly called: "new buildings ... in so-called modern style" Graham Greene. 2. "focus" funds invest in relatively few companies so investors get the fund manager's top picks. "No matter how many equity funds they choose, I will advise them to invest through dollar cost averaging," says Brackens. "If you invest a certain amount each month, you'll you'll Contraction of you will. you'll you will or you shall you'll will buy morn shares when the prices drop and you won't won't Contraction of will not. won't will not won't will run the risk of putting in all your money at a peak price." Brian is willing to tiptoe back into stock funds. "Even if we become more aggressive, we'd we'd 1. Contraction of we had. 2. Contraction of we should. 3. Contraction of we would. we'd have ~would want to keep a substantial amount--perhaps one third of our investments--in cash and fixed income. We like to know that at least one-third of our money can't disappear," he explains. When it comes to stocks, the Pollards say investing in mutual funds adds another layer of protection. "We don't have time to stay on top of individual stocks," says Xandria. "With mutual funds, you have a diversification Diversification A risk management technique that mixes a wide variety of investments within a portfolio. It is designed to minimize the impact of any one security on overall portfolio performance. Notes: Diversification is possibly the greatest way to reduce the risk. of companies so you won't lose as much if one company goes under. Mutual funds are safer and more reliable." KEEPING BALANCED The extended bear market also made an impression on Samona Johnson, 35, a buyer of aircraft parts for a manufacturer and distributor in Cleveland Cleveland, former county, England Cleveland, former county, NE England, created under the Local Government Act of 1972 (effective 1974). It was composed of the county boroughs of Hartlepool and Teeside and parts of the former counties of Durham and . "I was nervous when I saw the market keep going down," she says. "I'm I'm Contraction of I am. Our Living Language Speakers of some scattered varieties of American English sometimes use I'm instead of I've or I have in present perfect constructions, as in investing primarily for my retirement. Even though that's a long way off, I know I'll I'll Contraction of I will. I'll I will or I shall I'll will ~shall need money from my investments if I want to be comfortable." Although her apprehensions made her cut back on stocks. Johnson didn't abandon equities "altogether. Her portfolio's asset allocation is now around two-thirds stock funds and one-third bond funds, with holdings such as Putnam Put·nam , Israel 1718-1790. American soldier active in the French and Indian War and the Revolutionary War. During the Battle of Bunker Hill (June 17, 1775), he supposedly issued the order, "Don't one of you shoot until you see the whites of their Growth and Income (PGRWX) and Putnam U.S. Government Income (PGSIX). "It was important that she kept investing," says Johnson's adviser, Jesse Brown
Jesse Brown (March 27,1944 — August 15,2002) was the United States Secretary of Veterans Affairs, appointed in 1993 by Bill Clinton. , president of Krystal Krystal may refer to:
Chicago (shĭkä`gō, shĭkô`gō), city (1990 pop. 2,783,726), seat of Cook co., NE Ill., on Lake Michigan; inc. 1837. and author of Pay Yourself First (Wiley Wiley may refer to:
a. 1. Having a medium size; as, a medium-sized man s>. Adj. 1. medium-sized - intermediate in size medium-size, moderate-size, moderate-sized companies. She made the change because she wanted more growth and the chance to reap higher returns in preparation for her retirement, even if she has to take some risks." Doing all of your investing within one mutual fund family makes sense to Brown: "As market conditions and you r goals change over time, you may decide to switch mutual funds. Keeping within one group of funds group of funds See family of funds. will probably reduce your transaction costs Transaction Costs Costs incurred when buying or selling securities. These include brokers' commissions and spreads (the difference between the price the dealer paid for a security and the price they can sell it). ." In addition, getting to see all of your mutual funds on one statement can help with tax and investment planning. Do the recent allegations of improper
Contraction of I have. I've I have I've have ever been about Putnam's funds." Putnam isn't is·n't Contraction of is not. isn't is not isn't be the only fund family that wins Brown's approval; he also names Scudder Scudder, a surname, may refer to: People
 Please see the discussion on the talk page. According to Traulsen, several mutual fund families offer "lifestyle" funds, which can provide a "simple solution" to developing an allocation The apportionment or designation of an item for a specific purpose or to a particular place. In the law of trusts, the allocation of cash dividends earned by a stock that makes up the principal of a trust for a beneficiary usually means that the dividends will be treated as among multiple mutual funds. Vanguard--with its low-cost Target Retirement funds aimed at investors who plan to retire around a specific year--is one such mutual fund family. Brown says, "These types of funds can provide a selection of funds for investors who do not have the money or the research time to invest in many funds. You can pick the one that's suited for your age and your investment time frame." Generally, the younger you are and the longer you have until retirement, the longer your money will be invested in aggressive stock funds. "Even the most aggressive investor should hold some bonds or bond funds, though," says Brown. "They can provide stability when the stock market turns down. I generally recommend an asset allocation of at least 20% [in] bonds and bond funds." Brown, like Brackens, is a fan of dollar cost averaging, a practice Johnson has taken to heart. "I've arranged for money to be automatically invested in my mutual funds each month, and I'm hoping to increase the amount," she says. "The more I can save now, the more I'll have later, when I really need it." STICKING WITH STOCKS Not every mutual fund investor is leery of stock funds. Stanley Stanley, town (1991 pop. 1,557), capital of the Falkland Islands, S Atlantic Ocean, on East Falkland island. It is the main port and trading center of the islands. The name is sometimes written as Port Stanley. and Terri Wade, 41 and 40, are husband and wife business partners who run a mortgage brokerage firm in Pasadena, California Pasadena is a city in Los Angeles County, California, United States. As of the 2000 census, the city population was 133,936 and the 160th largest city in the United States. The California Finance Department estimates the Pasadena population to be 146,166 in 2005. . "We own real estate, individual stocks, and stock funds," says Stanley. "We're not interested in bonds or bond funds. At our age, we're looking for Looking for In the context of general equities, this describing a buy interest in which a dealer is asked to offer stock, often involving a capital commitment. Antithesis of in touch with. growth in our investments." Although this may seem aggressive, the Wades are actually more cautious today than they were a few years ago, when more of their portfolio contained aggressive stocks and no mutual funds at all. "We're definitely more careful today in our investing," says Terri. "We take our time rather than jump into hot stocks. Buying mutual funds and owning different kinds of stocks is a great way to spread your risks," Arnetta Tolley, an investment adviser at the Pasadena, California, office of Edward Jones Investments Edward D. Jones & Co., L.P. is a brokerage firm based out of St. Louis, Missouri which serves investment clients in the United States, Canada, and the United Kingdom through its branch network of nearly 10,000 locations. , a financial services The examples and perspective in this article or section may not represent a worldwide view of the subject. Please [ improve this article] or discuss the issue on the talk page. firm based in St. Louis. agrees that focusing on stock funds makes sense for the Wades. "They can expect to have many good earning years ahead of them. They can afford to take more risk with stock funds from time to time, yet over a long period, they can expect higher returns from stock funds than from bonds or cash," says Tolley. "What's more, with interest rates low and expected to rise, I'm reluctant to put a lot of money into bond funds." At Tolley's recommendation, the Wades have invested in Hartford Stock (HSTAX), which owns large-company stocks, and Hartford Midcap mid·cap adj. 1. Or or relating to corporations whose retained earnings and outstanding shares of common stock have a value between those of small cap companies and large cap corporations. 2. (HFMCX), which holds medium-sized companies with excellent growth prospects. "These funds are well managed by a solid financial firm," says Tolley. The Wades currently have a significant amount of cash, the result of selling some investment property. "Instead of [them] putting all of it back into real estate," says Tolley, "I'll suggest that they diversify diversify To acquire a variety of assets that do not tend to change in value at the same time. To diversify a securities portfolio is to purchase different types of securities in different companies in unrelated industries. into different mutual funds, including Hartford Capital Appreciation (ITHAX) and Hartford Dividend & Growth (IHGIX)." Tolley says the Hartford family is a good fit for the Wades because its stock funds tend to be growth-oriented and on the cutting edge, and the Wades have many years to cash in on the potential appreciation the stock market has historically produced. "For clients who are older--retirees and pre-retirees--I generally recommend American Funds instead," says Tolley. "Many of those funds are team managed, with extremely long track records, and the [American Funds are] known for a conservative rather than an aggressive investment style." For these clients, cash flow is provided by American Funds Bond Fund of America (ABNDX), which was yielding nearly 5% at the time of this article. Tolley says, "Among equity funds, I put conservative clients into [American Funds] Investment Company of America (AIVSX), Washington Mutual “WaMu” redirects here. For the Washington, DC radio station, see WAMU. Washington Mutual (or WaMu; NYSE: WM) is the United States' largest savings and loan association. (AWSHX), Growth Fund of America (AGTHX)--all of which bold large U.S. companies--and New Perspective (ANWPX), which owns large growth companies from around the world." All of these funds have 30- to 70-year track records. Kevin Davis Kevin Davis may refer to:
A person who has passed examinations accredited by the Certified Financial Planner Board of Standards, showing that the person is able to manage a client's banking, estate, insurance, investment, and tax affairs. with Consolidated Financial Services in Dallas, also suggests American Funds to his clients: New Economy (ANEFX), which invests in media, telecommunications Communicating information, including data, text, pictures, voice and video over long distance. See communications. , and retail stocks; and American Balanced (ABALX), which holds both stocks and bonds. "American Funds might not have had the highest returns in the 1990s, but they held up better than more aggressive funds when stocks went into a down cycle," Davis remembers. "I encourage clients to invest. for the long term and these are funds you can hold on to your whole life." RISING TO THE OCCASION Among fixed-income funds, Davis favors PIMCO PIMCO Pacific Investment Management Company Total Return (PTTAX) and American Funds Bond Fund of America, mentioned above. "These funds hold intermediate-term Intermediate-term Typically one-ten years. intermediate-term Of or relating to an investment with an expected holding period somewhere between short-term and long-term. bonds rather than long-term Long-term Three or more years. In the context of accounting, more than 1 year. long-term 1. Of or relating to a gain or loss in the value of a security that has been held over a specific length of time. Compare short-term. bonds. Today, the financial markets are expecting interest rates to rise. If so, intermediate-term bond funds will do better than long-term funds," he says. In light of the current interest rate environment, Tolley is also staying away from long term bond funds, preferring to park cash in short-term Short-term Any investments with a maturity of one year or less. short-term 1. Of or relating to a gain or loss on the value of an asset that has been held less than a specified period of time. bank CDs until interest rates move up. But Brown says rising interest rates won't really affect the average investor. "The Federal Reserve will raise interest, rates over the next year, but that is only an indication of a healthy economy," he explains. "When interest, rates start going up, the stock market will not go down. Instead, stock market investors will see this as an indication of prosperity and will begin a buying trend." If you've spread your dollars among solid mutual funds in different categories, you'll catch the trend, regardless of what investors start buying.
B.E.'S TOP MUTUAL FUND PERFORMERS
TICKER 1-YEAR
FUND NAME SYMBOL RETURN
Large Legg Mason Growth Prim LMGTX 24.31%
Growth Marsico 21st Century MXXIX 28.29
Nations Marsico 21st Cen Inv A NMTAX 27.91
Gartmore US Gr Leaders A GXXAX 22.19
Dreyfus Prem Alpha Gr T BSFAX 18.84
Mid MFS New Endeavor A MECAX 34.32
Growth Hodges HDPMX 40.84
Meridian Growth MERDX 33.65
Columbia Acorn Select A LTFAX 19.81
Baron Partners BPTRX 43.81
Small Royce Value Plus RYVPX 53.95
Growth FBR Small Cap FBRVX 26.66
Century Sm-Cp Sel Inv CSMVX 30.15
Henlopen HENLX 52.90
Excelsior Small Cap UMLCX 42.36
Large Mairs & Power Growth MPGFX 26.05
Blend AmSouth Select Eq A ASECX 20.21
Matrix Advisors Value MAVFX 22.18
Tocqueville TOCQX 31.75
Parnassus Equity Inc PRBLX 10.16
Mid Fidelity Leveraged Co Stk FLVCX 41.13
Blend Delaware American Ser A DASAX 30.29
RS Contrarian Value RSCOX 39.63
Hussman Strategic Growth HSGFX 15.22
Delaware American Ser C DAMCX 29.26
Small Perritt Micro Cap Opport PRCGX 42.68
Blend CGM Focus CGMFX 33.94
Satuit Capital Micro Cap SATMX 41.20
Royce Value RYVFX 40.66
Munder Small-Cap Value A MNVAX 37.29
Large Hancock Classic Value A PZFVX 26.89
Value TCW Galileo Div Foc N TGIGX 30.32
Alpine Dynamic Balance ADBYX 18.58
PIMCO PEA Value A PDLAX 35.58
Cullen Value CVFCX 24.24
Mid Yacktman Focused YAFFX 17.22
Value Yacktman YACKX 19.36
Quaker Mid-Cap Value A QMCVX 49.12
AllianceBer Small Val A ABASX 35.48
Fidelity Sel Constr&Hous FSHOX 33.98
Small Heartland Value Plus HRVIX 41.18
Value James Small Cap JASCX 39.50
Pacific Cap Small Cap A PCSAX 42.17
American AAdv SmCpVI Pln AVPAX 38.49
Aegis Value AVALX 27.80
World Oakmark Global I OAKGX 31.42
Stock Polaris Global Value PGVFX 36.78
Templeton Glob Sm Co A TEMGX 42.15
Van Kampen Glb Frnchse A VGFAX 24.38
Janus Global Opps JGVAX 40.23
Foreign Large Marsico Intl Opp MIOFX 31.30
Growth Nations Marsico Intl Inv A MAIOX 29.97
Hartford IntCapApp A HNCAX 38.50
Mainstay Intl Equity A MSEAX 22.25
Fidelity Aggressive Intl FIVFX 20.26
Long-term AmCent Target 2020 Inv BTTTX -6.22
Government AmCent Target 2015 Inv BTFTX -4.82
PIMCO Real Ret A PRTNX 3.99
AmCent Target 2025 Inv BTTRX -7.28
PIMCO Lg-Trm US Govt A PFGAX -3.39
Intermediate Vanguard Infl-Prot Secs VIPSX 3.55
Government FFTW U.S Infl-Indexed FFIHX 3.46
AmCent Inf-Adj Bond Inv ACITX 2.87
BlackRock Govt Inc Inv A CCGAX -0.90
Vanguard Int-Tm US Trs VFITX -1.42
Short-term AmCent Target 2005 Inv BTFIX -0.07
Government Managers Interm Dur Gov MGIDX 1.66
Marshall Govt Inc Inv MRGIX 3.10
Salomon Bros Sht/IntmGovA SUSAX -1.00
Northern U.S. Government NOUGX -1.49
Long-term Delaware Ext Dur Bd A DEEAX 1.83
Corporate Croft-Leominster Income CLINX 5.27
Bonds Managers Bond MGFIX 1.31
Vanguard Long-Tm Corp Bd VWESX -2.48
Vanguard LongTm Bd Idx VBLTX -2.78
Tax-free Monarch Dly Gov Obl Univ DGIXX 0.88
Money Markets Scudder Yield Wise Money SYWXX 0.71
Vanguard T/E Money Mkt VMSXX 0.86
Vanguard OH T/E MMkt VOHXX 0.86
Vanguard PA T/E MMkt VPTXX 0.83
Moderate Bruce F0007Q 62.53
Allocation FPA Crescent FPACX 18.86
Oakmark Equity & Inc I OAKBX 18.21
T. Rowe Price Cap Apprec PRWCX 20.17
Laudus Ros Val L/S Eq Inv BRMIX -0.81
Muni National Harris Ins Tax-Ex Bond A HXBZX -0.02
Intermediate State Farm TxAdv Bd A SFTAX 0.05
Delaware T/F USA Int A DMUSX 1.11
Eaton Vance Natl Ltd A EXNAX 2.00
First Inv Ins Int T/E A FIITX -1.60
3-YEAR 5-YEAR
FUND NAME RETURN RETURN
Large Legg Mason Growth Prim 12.93% 3.47%
Growth Marsico 21st Century 10.29 NA
Nations Marsico 21st Cen Inv A 9.67 NA
Gartmore US Gr Leaders A 5.82 NA
Dreyfus Prem Alpha Gr T 5.68 2.84
Mid MFS New Endeavor A 14.10 NA
Growth Hodges 12.95 1.75
Meridian Growth 10.27 14.94
Columbia Acorn Select A 9.98 NA
Baron Partners 8.68 1.48
Small Royce Value Plus 26.18 NA
Growth FBR Small Cap 18.91 15.75
Century Sm-Cp Sel Inv 15.82 NA
Henlopen 13.17 9.92
Excelsior Small Cap 12.56 9.91
Large Mairs & Power Growth 10.44 10.94
Blend AmSouth Select Eq A 9.11 4.42
Matrix Advisors Value 6.92 8.44
Tocqueville 6.44 4.08
Parnassus Equity Inc 6.42 8.04
Mid Fidelity Leveraged Co Stk 26.14 NA
Blend Delaware American Ser A 16.45 NA
RS Contrarian Value 16.26 14.11
Hussman Strategic Growth 16.14 NA
Delaware American Ser C 15.60 NA
Small Perritt Micro Cap Opport 20.55 20.53
Blend CGM Focus 17.20 25.49
Satuit Capital Micro Cap 16.93 NA
Royce Value 15.39 NA
Munder Small-Cap Value A 15.00 14.07
Large Hancock Classic Value A 12.12 12.46
Value TCW Galileo Div Foc N 9.63 10.74
Alpine Dynamic Balance 9.05 NA
PIMCO PEA Value A 8.26 10.94
Cullen Value 7.58 NA
Mid Yacktman Focused 20.94 10.03
Value Yacktman 19.24 11.69
Quaker Mid-Cap Value A 16.33 10.47
AllianceBer Small Val A 15.26 NA
Fidelity Sel Constr&Hous 15.05 11.16
Small Heartland Value Plus 21.55 12.76
Value James Small Cap 19.72 9.78
Pacific Cap Small Cap A 17.68 17.73
American AAdv SmCpVI Pln 17.27 15.34
Aegis Value 16.86 18.06
World Oakmark Global I 17.07 NA
Stock Polaris Global Value 16.82 10.62
Templeton Glob Sm Co A 13.51 7.10
Van Kampen Glb Fmchse A 12.58 14.51
Janus Global Opps 10.78 NA
Foreign Large Marsico Intl Opp 9.15 NA
Growth Nations Marsico Intl Inv A 9.09 NA
Hartford IntCapApp A 8.68 NA
Mainstay Intl Equity A 8.17 1.53
Fidelity Aggressive Intl 7.61 2.23
Long-term AmCent Target 2020 Inv 9.49 8.81
Government AmCent Target 2015 Inv 9.47 8.89
PIMCO Real Ret A 9.02 9.71
AmCent Target 2025 Inv 8.75 8.17
PIMCO Lg-Trm US Govt A 8.38 8.33
Intermediate Vanguard Infl-Prot Secs 9.08 NA
Government FFTW U.S Infl-Indexed 8.94 NA
AmCent Inf-Adj Bond Inv 8.23 8.59
BlackRock Govt Inc Inv A 7.42 7.61
Vanguard Int-Tm US Trs 6.98 7.35
Short-term AmCent Target 2005 Inv 5.82 6.49
Government Managers Interm Dur Gov 5.60 6.22
Marshall Govt Inc Inv 5.22 5.67
Salomon Bros Sht/IntmGovA 5.13 5.60
Northern U.S. Government 4.95 5.67
Long-term Delaware Ext Dur Bd A 11.37 9.34
Corporate Croft-Leominster Income 8.66 6.98
Bonds Managers Bond 8.33 7.76
Vanguard Long-Tm Corp Bd 8.20 7.70
Vanguard LongTm Bd Idx 8.14 8.27
Tax-free Monarch Dly Gov Obl Univ 1.50 3.16
Money Markets Scudder Yield Wise Money 1.43 3.16
Vanguard T/E Money Mkt 1.28 2.22
Vanguard OH T/E MMkt 1.28 2.23
Vanguard PA T/E MMkt 1.23 2.17
Moderate Bruce 35.69 27.37
Allocation FPA Crescent 14.75 11.33
Oakmark Equity & Inc I 10.30 12.19
T. Rowe Price Cap Apprec 10.26 11.95
Laudus Ros Val L/S Eq Inv 9.79 5.22
Muni National Harris Ins Tax-Ex Bond A 5.96 NA
Intermediate State Farm TxAdv Bd A 5.91 NA
Delaware T/F USA Int A 5.56 5.65
Eaton Vance Natl Ltd A 5.47 4.74
First Inv Ins Int T/E A 5.27 5.99
MINIMUM
INITIAL
FUND NAME INVESTMENT PHONE
Large Legg Mason Growth Prim $1,000 800-822-5544
Growth Marsico 21st Century 2,500 888-860-8686
Nations Marsico 21st Cen Inv A 1,000 800-321-7854
Gartmore US Gr Leaders A 2,000 800-848-0920
Dreyfus Prem Alpha Gr T 1,000 800-554-4611
Mid MFS New Endeavor A 1,000 800-225-2606
Growth Hodges 250 866-811-0224
Meridian Growth 1,000 800-446-6662
Columbia Acorn Select A 1,000 800-345-6611
Baron Partners 2,000 800-992-2766
Small Royce Value Plus 2,000 800-221-4268
Growth FBR Small Cap 2,000 888-888-0025
Century Sm-Cp Sel Inv 1,000 800-321-1928
Henlopen 2,000 866-880-0032
Excelsior Small Cap 500 800-446-1012
Large Mairs & Power Growth 2,500 800-304-7404
Blend AmSouth Select Eq A 1,000 800-451-8382
Matrix Advisors Value 1,000 800-366-6223
Tocqueville 1,000 800-697-3863
Parnassus Equity Inc 2,000 800-999-3505
Mid Fidelity Leveraged Co Stk 10,000 800-343-3548
Blend Delaware American Ser A 1,000 800-362-7500
RS Contrarian Value 5,000 800-766-3863
Hussman Strategic Growth 1,000 800-487-7626
Delaware American Ser C 1,000 800-362-3863
Small Perritt Micro Cap Opport 1,000 800-332-3133
Blend CGM Focus 2,500 800-345-4048
Satuit Capital Micro Cap 1,000 800-567-4030
Royce Value 2,000 800-221-4268
Munder Small-Cap Value A 2,500 800-468-6337
Large Hancock Classic Value A 1,000 800-225-5291
Value TCW Galileo Div Foc N 2,000 800-386-3829
Alpine Dynamic Balance 1,000 888-785-5578
PIMCO PEA Value A 5,000 888-877-4626
Cullen Value 1,000 877-485-8586
Mid Yacktman Focused 2,500 800-525-8258
Value Yacktman 2,500 800-525-8258
Quaker Mid-Cap Value A 2,000 800-220-8888
AllianceBer Small Val A 1,000 800-221-5672
Fidelity Sel Constr&Hous 2,500 800-343-3548
Small Heartland Value Plus 1,000 800-432-7856
Value James Small Cap 2,000 800-995-2637
Pacific Cap Small Cap A 1,000 800-258-9232
American AAdv SmCpVI Pln 2,500 800-388-3344
Aegis Value 10,000 800-528-3780
World Oakmark Global I 1,000 800-625-6275
Stock Polaris Global Value 2,500 888-263-5594
Templeton Glob Sm Co A 1,000 800-342-5236
Van Kampen Glb Fmchse A 1,000 800-421-5666
Janus Global Opps 2,500 800-525-3713
Foreign Large Marsico Intl Opp 2,500 888-860-8686
Growth Nations Marsico Intl Inv A 1,000 800-321-7854
Hartford IntCapApp A 1,000 888-843-7824
Mainstay Intl Equity A 1,000 800-624-6782
Fidelity Aggressive Intl 2,500 800-544-8888
Long-term AmCent Target 2020 Inv 2,500 800-345-2021
Government AmCent Target 2015 Inv 2,500 800-345-2021
PIMCO Real Ret A 5,000 888-877-4626
AmCent Target 2025 Inv 2,500 800-345-2021
PIMCO Lg-Trm US Govt A 5,000 888-877-4626
Intermediate Vanguard Infl-Prot Secs 3,000 800-662-7447
Government FFTW U.S Infl-Indexed 100,000 888-367-3389
AmCent Inf-Adj Bond Inv 2,500 800-345-2021
BlackRock Govt Inc Inv A 500 800-441-7762
Vanguard Int-Tm US Trs 3,000 800-662-7447
Short-term AmCent Target 2005 Inv 2,500 800-345-2021
Government Managers Interm Dur Gov 2,000 800-835-3879
Marshall Govt Inc Inv 1,000 800-236-8560
Salomon Bros Sht/IntmGovA 250 800-446-1013
Northern U.S. Government 2,500 800-595-9111
Long-term Delaware Ext Dur Bd A 1,000 800-362-7500
Corporate Croft-Leominster Income 2,000 800-551-0990
Bonds Managers Bond 2,000 800-835-3879
Vanguard Long-Tm Corp Bd 3,000 800-662-7447
Vanguard LongTm Bd Idx 3,000 800-662-7447
Tax-free Monarch Dly Gov Obl Univ 1,000,000 800-754-8757
Money Markets Scudder Yield Wise Money 25,000 800-621-1048
Vanguard T/E Money Mkt 3,000 800-662-7447
Vanguard OH T/E MMkt 3,000 800-662-7447
Vanguard PA T/E MMkt 3,000 800-662-7447
Moderate Bruce 1,000 800-872-7823
Allocation FPA Crescent 1,500 800-982-4372
Oakmark Equity & Inc I 1,000 800-625-6275
T. Rowe Price Cap Apprec 2,500 800-638-5660
Laudus Ros Val L/S Eq Inv 2,500 800-447-3332
Muni National Harris Ins Tax-Ex Bond A 1,000 800-982-8782
Intermediate State Farm TxAdv Bd A 250 800-447-0740
Delaware T/F USA Int A 1,000 800-523-4640
Eaton Vance Natl Ltd A 1,000 800-225-6265
First Inv Ins Int T/E A 1,000 800-423-4026
SOURCE: MORNINGSTAR INC. MORNINGSTAR MAKES EVERY EFFORT TO ENSURE
THE ACCURACY OF THIS DATA, BUT CANNOT GUARANTEE IT, TOP FUNDS IN
EACH CATEGORY, RANKED BY THREE-YEAR RETURNS, SINGLE SHARE CLASS,
NO INTITUTIONAL, NO QUALIFIED ACCESS, OPEN TO THE PUBLIC, RETURNS
THROUGH JUNE 30, 2004.
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