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1998 KIPLINGER'S PERSONAL analysts Annual Total Returns April assets Average Annual Total bank Beetle Brokerage capital carefully before investing Class complete information cost Distributor diversified dividends earnings equity funds expenses Fidelity Fidelity Investments fund's Growth Fund guarantee future results HealthSouth Income Fund index funds International Internet invest or send Investment return investors June 1998 KIPLINGER'S KIPLINGER KIPLINGER'S PERSONAL FINANCE Lipper long-term million Money Show Morningstar mutual fund Nasdaq National no-load NYSE offers Opelika Palm III Past performance Peace Corps PERSONAL FINANCE MAGAZINE Pfizer portfolio principal value Prudential purchased read it carefully reinvestment retirement return and principal risk risk-adjusted performance Rowe Price sales charges Salomon Smith Barney says Securities sell Services shareholder shares SmartMoney Standard & Poor's tion town trading Treasury bill returns Vanguard volunteers Warburg Pincus