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1995 KIPLINGER'S PERSONAL 2DR HATCH A.M. Best Annual Total Returns assets average annual returns Average Annual Total B.F. Goodrich bonds capital gains cash charges and expenses complete information containing more complete cost dealer December 1995 KIPLINGER'S Distributor dividends earnings Emerging Growth equity funds Fidelity Fidelity Investments free prospectus fund's gift Growth Fund guarantee future results HYUNDAI ACCENT immediate annuity including management fees invest or send investors KIPLINGER KIPLINGER'S PERSONAL FINANCE Lipper loan long-term MAZDA MX-6 Mercury Sable monthly Morningstar mortgage Mutual Fund no-load offer OneSource option Past performance payments periods ended PERSONAL FINANCE MAGAZINE PLYMOUTH NEON PONTIAC FIREBIRD portfolio Read it carefully reinvestment retirement return and principal risk Rowe Price sales charges savings says Schwab sell send money share price Standard & Poor's tax-free Templeton TOYOTA TOYOTA CAMRY U.S. Government Value Line Warburg Pincus Yard Card yield