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1997 KIPLINGER'S PERSONAL All-Tech American Century Investment Annual Total Returns assets Average Annual Total bank benefits Bond Fund broker capital gains carefully before investing cash casket closed-end funds complete information cost coverage deduct discount Distributors domestic equity funds earnings Fidelity FIDELITY INVESTMENTS free prospectus fund's funeral homes Gabelli Growth Fund guarantee of future Income Fund Intel Internet invest or send Investment return investors kids KIPLINGER'S PERSONAL FINANCE lease less Lipper Merrill Lynch Morningstar Morningstar ratings mutual funds Nasdaq no-load offer Past performance PERSONAL FINANCE MAGAZINE portfolio premiums price comparison service principal value purchase read it carefully real estate received 4 stars reinvestment rent retirement return and principal risk ROBERT FRICK Rowe Price sales charge says Schwab Securities sell send money shareholder Sidoti Standard & Poor's Travelocity Tyvek Warburg Pincus yield