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AARP annual total returns assets average annual total bank bill bond funds Call capital gains charges and expenses closed-end fund companies complete information cost credit card Distributor dividends doctor earnings equity Federal Fidelity Fidelity Investments FINANCE MAGAZINE JANUARY free prospectus Fund Vanguard fund's future results Global Growth Fund growth stocks HYTRIN including management fees Income Fund inflation interest rates invest or send investors Janus kids Kiplinger KIPLINGER'S PERSONAL FINANCE LOVASTATIN MAGAZINE JANUARY 1995 MasterCard ment Money Fund money market funds month Morningstar mortgage mutual fund no-load NYSE past performance PERSONAL FINANCE MAGAZINE portfolio profits Read it carefully reinvestment reports retirement risk Rowe Price savings says Scudder securities sell send money Standard & Poor's stock fund TaxCut tion Value Line yield