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1997 KIPLINGER'S PERSONAL American American Express Annual Total Returns assets bank carefully before investing cash charges and expenses companies complete information containing more complete cost Distributor dividends earnings equity funds Fidelity free prospectus fund's Growth Fund inflation-indexed bond interest rates international funds Internet invest or send investors January 1997 KIPLINGER'S Janus Kiplinger KIPLINGER'S PERSONAL FINANCE Lipper ment Merrill Lynch million minimum money-market funds month Morningstar mortgage mutual funds Nasdaq no-load offer options Past performance PERSONAL FINANCE MAGAZINE portfolio principal value Prudential Securities read it carefully reinvestment retirement planning return and principal risk Rowe Price sales charges savings bonds says Schwab Securities sell send money Standard & Poor's stock funds tour Treasury Ultra Service Value Line Vanguard Warburg Pincus yield