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12-month yield A.M. Best annual annuity assets average bank billion Bond Fund broker brokerage cash charges and expenses Circle Reader Service commission companies complete information CORPORATION cost coverage dividends Dreyfus earnings EDITOR Federal Fidelity Fidelity Investments Franklin free prospectus Fund invests Fund's Ginnie Mae Global Growth Fund guarantee including management fees interest rates International invest or send investment club investors kids Lenowitz less loan long-term medigap ment Merrill Lynch MetLife minimum initial invest money funds money managers money market funds mortgage Municipal Bond mutual funds NAIC no-load No-Load Fund offer One-year total return P.O. Box P/E Ratio Past performance payments Phone portfolio premiums read it carefully retirement Rowe Price sales charge says Scudder seal securities sell send money share price Shearson Standard & Poor's tax-free tion trade Treasury U.S. Government