MOST YOUNG FUNDS STUMBLE . . .
      
      Fund Name/Objective       1994    1-yr.%  1995     1995 %
      (started in 1993)         Return  Rank*   Return   Rank*
      
      Gabelli ABC                4.53%   7       8.78%    99
      asset allocation
      
      Lincoln World Growth A     4.21%   10      13.72%   96
      international
      
      Midwest Utility income C  -2.75%   11      14.32%   91
      Utility
      
      Montgomery Growth          20.94%  1       21.32%   81
      Long-term growth
      
      Nicholas Equity income     4.14%   5       13.13%   96
      Equity income
      
      . . . BUT IT'S NOT JUST THE ROOKIES
      
      Fund Name/Objective       1-yr.          1994       5-yr.     5-YR. %
      (STARTED IN 1989)         1990 Return    % Rank*    Return    Rank*
      
      Armada Equity Retail       1.29%          17         14.2%     82
      Long-term growth
      
      Fidelity Select           -2.48%          13         6.17%     96
      Environmental Services/Specialty
      
      Fontaine Capital           6.13%          3          8.49%     97
      Appreciation Long-term growth
      
      Merriman Capital           3.13%          12         9.53%     96
      Appreciation Long-term growth
      
      Smith Barney Principal     3.25%          13         10.55%    92
      Return 1996/Balanced
      
      *Percentage rank among all funds with the same objective, with 1 being best 
      performers; 99 the worst
      
      DATA: CDA/WIESENBERGER
      
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