91.   The tests found increased returns from buying new funds in four of the six categories.

92.   Therefore, buy funds with low turnover rates to minimize the tax bite, Vollert said.

93.   These services allow investors to buy funds from a number of different fund families through one source.

94.   They invest in stock funds when the market is high and they buy bond funds only when interest rates on money-market funds get extremely low.

95.   Those who bought stock funds investing in real estate, precious metals and Mexican companies suffered losses.

96.   Unlike conventional indexed funds, exchange-traded funds must be bought through a broker, so investors pay a commission each time they make a trade.

97.   Unfortunately for investors who have grown used to buying funds that mirror the performance of a broad market index, this strategy, too, has been lagging behind.

98.   What do you get when you buy a utilities fund?

99.   What they usually end up with is the worst, buying fund after fund on the way down and never settling for decent returns over time.

100.   Whatever the length of the portfolio, experts caution against buying bond funds on the basis of advertised historical performance instead of current yields.