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AARP agency alternative minimum tax annual total returns assets average annual total bear markets benefits bond funds brokers Buick LeSabre buyers cash charges and expenses Closed-End Funds companies complete information cost dealer discount Distributor Dividend Reinvestment Plans dividends Dreyfus duration earnings equity Fidelity Investments FINANCE MAGAZINE JUNE fund's Ginnie Mae growth guarantee future results including management fees income interest rates International invest or send investors Janus Kiplinger's Kiplinger's Personal Finance long-term MAGAZINE JUNE 1994 million minimum months Morningstar Municipal mutual fund no-load NYSE offer partnerships past performance PERSONAL FINANCE MAGAZINE Planner portfolio premium profit Read it carefully real estate reinvestment rental retirement risk Rowe Price savings says Scudder sell send money share price stock funds tax-free temp Templeton tion toll-free trade Ultra Service USAA Value Line yield