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1999 KIPLINGER'S PERSONAL 90-day Treasury bill AAdvantage America Online Annual Total Returns annuity assets Average Annual Total benefits Best Funds bike bond funds carefully before investing charges companies complete information cost Distributor dividends earnings excess of 90-day expenses Fidelity Fidelity Investments Fund Vanguard fund's future results Global Growth Fund Grundig High Yield Income Fund Index Fund invest or send investors KIPLINGER'S PERSONAL FINANCE Lipper long-term Loomis Sayles Bond March 1999 KIPLINGER'S ment Morgan Stanley Morningstar Rating mutual funds no-load offers P/E ratios Past performance PERSONAL FINANCE MAGAZINE policies proprietary ratings reflect Prudential read it carefully receive 5 stars retirement return and principal risk Roth IRA Rowe Price savings says Schwab sell shares social security Standard & Poor's Stanley Dean Witter stock funds tax-free Treasury bill returns trust fund viatical viatical settlements Warburg Pincus Westcore