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A.M. Best American analyst Annual Total Returns assets AT&T Average Annual Total bank bond funds broker brokerage capital charges and expenses complete information cost discount Distributor dividends earnings equity funds federal Fidelity Fidelity Investments fluctuate franchise free prospectus fund invests fund's Growth Fund including management fees Income Fund INITIAL CONTRACT TERM insurance companies International Stock invest or send Investment return investors IRAs Kiplinger's Kiplinger's Personal Finance Lipper maturity ment Merrill Lynch million money funds Morningstar munis mutual fund NASD no-load NUMBER OF UNITS offer one-year P/E ratio Past performance portfolio profits Read it carefully recent reinvestment retirement return and principal risk Rowe Price sales charges savings says Schwab securities sell send money share price Standard & Poor's stock funds tax-free tion Treasury securities trip Value Line Warburg Pincus yield