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12-MONTH HIGH AARP alternative minimum tax analyst annual total returns assets auction average annual total bank Bond Fund brokers capital gains CERTIFICATES OF DEPOSIT charges and expenses Charles Schwab complete information containing more complete cost discount Distributor Dreyfus earnings EPS ESTIMATES FastTrack Federal Fidelity Fidelity Investments FMAGX GOLD FMAGX free prospectus Fund's future results GOLD FMAGX GOLD growth including charges including management fees Income Fund invest or send Investment return investors Kiplinger Kiplinger's Personal Finance less loan long-term ment million Minimum Initial Investment months mortgage Municipal Bond mutual funds no-load offer P.O. Box Past performance period ended portfolio Read it carefully repair RESEARCH REPORTER retirement return and principal risk Rowe Price sales charge says Scudder sell send money share price short-term Standard & Poor's tax-free tion Value Line