BOND-FUND GROUPS
      
                                     Total Return*
      GOVERNMENT-TREASURY            11.54%
      CORPORATE-GENERAL              10.43
      WORLD                          10.25
      GOVERNMENT-MORTGAGE             9.74
      CONVERTIBLE                     9.62
      CORPORATE-HIGH YIELD            9.56
      GOVERNMENT-GENERAL              9.38%
      CORPORATE-HIGH QUALITY          8.70
      SHORT-TERM WORLD INCOME         2.89
      GOVERNMENT-ADJ. RATE MTG.       2.73
      ALL TAX-FREE FIXED INCOME      10.38
      ALL TAXABLE FIXED-INCOME        9.11
      
               TAXABLE BOND FUNDS
      
      THE BEST                           Total Return*
      BENHAM TARGET MATURITIES 2020          33.62%
      BENHAM TARGET MATURITIES 2015          29.78
      BENHAM TARGET MATURITIES 2010          25.08
      RYDEX U.S. GOVERNMENT BOND             22.77
      SMITH BARNEY INVESTMENT GRADE BOND B   22.10
      BENHAM TARGET MATURITIES 2005          21.21
      MONITOR MORTGAGE SECURITIES TRUST      20.91
      SEI INTERNATIONAL FIXED-INCOME A       20.52
      MANAGERS BOND                          20.38
      PIMCO LONG-TERM U.S. GOVT. INSTL.      19.81
      RUSHMORE U.S. GOVT. LONG-TERM          19.21
      LAZARD INTERNATIONAL FIXED INCOME      18.98
      STATE ST. RESEARCH INTL. FIXED INC. C  18.62
      LOOMIS SAYLES BOND                     18.47
      FIDELITY SPARTAN LONG-TERM GOVT.       18.25
      
      THE WORST                             Total Return*
      GOVETT DEVELOPING MARKETS BOND            -16.13
      ASTRA ADJUSTABLE RATE SECURITIES I-A      -15.31
      FIDELITY NEW MARKETS INCOME                -8.09
      FIDELITY ADVISOR EMERG. MARKETS INC. A     -6.88
      ALLIANCE WORLD INCOME                      -2.11
      ALLIANCE MULTI-MARKET STRATEGY B           -1.70
      ALLIANCE SHORT-TERM MULTI-MARKET B         -1.43
      ASTRA ADJUSTABLE U.S. GOVT. SECS I         -0.39
      VAN KAMPEN MERRITT S/T GLOBAL INC. B        0.81
      MIDWEST STRATEGIC TREASURY TOT. RETN. A     2.18
      SCUDDER SHORT-TERM GLOBAL INCOME            2.20
      PERMANENT PORTFOLIO TREASURY BILL           2.22
      RSI RETIREMENT TRUST SHORT-TERM INV.        2.37
      INSTITUTIONAL ADJ. RATE GOVT. INSTL.        2.39
      MITCHELL HUTCH/KIDDER ADJ. RATE. GOVT. A    2.42
      
                   TAX-FREE BOND FUNDS
      
      THE BEST                             Total Return*
      CALIFORNIA MUNI                        28.05%
      SAFECO CA TAX-FREE INCOME              17.66
      ALLIANCE MUNI INCOME INSURED CA A      16.86
      ALLIANCE MUNI INCOME CA A              16.24
      SMITH BARNEY CA MUNICIPALS A           15.96
      ALLIANCE MUNI INCOME INSURED NATL. A   15.92
      ALLIANCE MUNI INCOME II FL C           15.83
      SMITH BARNEY MANAGED MUNICIPALS A      15.33
      ALLIANCE MUNI INCOME NATIONAL A        15.15
      VOYAGEUR FL INSURED TAX-FREE A         14.98
      ALLIANCE MUNI INCOME II PA B           14.95
      SAFECO MUNICIPAL BOND                  14.87
      FRANKLIN AZ INSURED TAX-FREE INCOME    14.66
      VOYAGEUR CA INSURED TAX-FREE A         14.62
      BLANCHARD FLEXIBLE TAX-FREE BOND       14.58
      
      THE WORST                          Total Return*
      STRONG SHORT-TERM MUNICIPAL BOND        1.94%
      MANAGERS SHORT MUNICIPAL                2.02
      CALVERT TAX-FREE RESERV LIMITED-TRM. A  2.76
      DUPREE KY TAX-FREE SHORT-TO-MEDIUM      2.86
      MERRILL LYNCH MUNICIPAL LTD. MATURITY A 3.07
      FIRST AMERICAN LIMITED-TERM T/F INC C   3.15
      VANGUARD MUNICIPAL SHORT-TERM           3.29
      TWENTIETH CENT. TAX-EXMPT SHORT-TRM     3.31
      BERNSTEIN SHORT DUR. NY MUNICIPAL       3.40
      COLORADO BONDSHARES                     3.40
      BERNSTEIN SHORT DUR. CA MUNICIPAL       3.47
      BERNSTEIN SHORT DURATION DIVR MUNI      3.49
      GOLDMAN SACHS SHORT DUR. TAX-FR. INSTL. 3.56
      PACIFICA SHORT-TERM CA TAX-FREE         3.75
      PACIFIC CAPITAL T/F SH-INTERM INSTL.    3.82
      
      *Appreciation plus reinvested dividends and capital gains through June 2
      DATA: MORNINGSTAR INC.
      
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