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1999 KIPLINGER'S PERSONAL 90-day Treasury bill analyst Annual Total Returns April 1999 KIPLINGER'S assets Average Annual Total Bond Fund brokerage capital gains carefully before investing cash Ciena companies complete information cost Distributor dividends E*TRADE earnings equity funds excess of 90-day fees Fidelity Fidelity Investments fund's future results Growth Fund Grundig guarantee income Internet investors junk bonds KIPLINGER'S PERSONAL FINANCE Lipper long-term Lucent MCI WorldCom Medtronic Microsoft million month Morningstar mutual funds NYSE offer P/E ratio Past performance PERSONAL FINANCE MAGAZINE Portfolio Manager proprietary ratings reflect read it carefully receive 5 stars retirement return and principal risk risk-adjusted performance Rowe Price Salomon Smith Barney savings says Schwab Scudder Securities sell share price Standard & Poor's Tellabs trading Treasury bill returns Vanguard variable annuity Warburg Pincus wine