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1997 KIPLINGER'S PERSONAL A.G. Edwards Annual Total Returns annuity assets Average Annual Total Bank bonds brokerage capital gains clients complete information Corporation cost coverage Dean Witter discount brokers Distributor earnings equity funds Everen expenses fees Fidelity Fidelity Investments firm fund's future results Growth Fund guarantee Income Fund Internet invest or send investors Isbell Janus Jim balance KIPLINGER KIPLINGER'S PERSONAL FINANCE Lipper Lojack LPL financial medicare Merrill Lynch Microsoft month Morningstar mutual funds no-load October 1997 KIPLINGER'S offer PaineWebber Past performance PERSONAL FINANCE MAGAZINE portfolio premiums price comparison service profit Prudential Prudential Securities read it carefully retirement return and principal risk Roth IRA Rowe Price sales charges savings Securities sell SmartMoney Smith Barney tax-free there's tion trades Warburg Pincus