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American annuity assets audit auditor average annual bank benefits Bond Fund broker buyer Call 24 hours carefully before investing charges and expenses companies complete information costs CREF DHow Distributor dividends Dreyfus earnings Faglio Fidelity Fidelity Investments FINANCE MAGAZINE OCTOBER free prospectus free report Fund's Growth Fund growth stocks guarantee include changes including management fees Income Fund index fund invest or send investors Kiplinger KIPLINGER'S PERSONAL FINANCE MAGAZINE OCTOBER 1992 maturity ment million minimum Municipal Bond mutual funds no-load no-load fund offer P.O. Box Past performance PERSONAL FINANCE MAGAZINE principal value prospectus carefully Read it carefully read the prospectus reinvested RESEARCH REPORTER return and principal risk Rowe Price sales charge savings says securities sell send money share price Standard & Poor's Stock Fund TaxCut taxpayer TIAA-CREF tion Treasury U.S. Government Ultra Service Value Line yield to maturity