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American annual total return annuity assets bank bond funds Brokerage brokers bull market Call 24 Hours capital gains CARDIZEM cash CERTIFICATES OF DEPOSIT charges and expenses Chrysler Chrysler Fifth Avenue complete information Corporation cost coverage deductible discount Distributor Dreyfus earnings employees expense ratio Fidelity Investments FINANCE MAGAZINE JUNE Franklin free prospectus Fund's Ginnie Mae GNMA Growth Fund guaranteed higher yields including management fees Income Fund interest rates invest or send investors kids KIPLINGER'S PERSONAL FINANCE loans long-term MAGAZINE JUNE 1992 ment Merrill Lynch Microsoft Money mortgage Municipal Bond mutual funds no-load offer P.O. Box PERSONAL FINANCE MAGAZINE portfolio premiums principal value prospectus carefully Read it carefully read the prospectus RESEARCH REPORTER return and principal risk Rowe Price sales charge says Scudder sell send money share price Templeton There's tion toll-free trust U.S. Government Value Line