21.   Investors should avoid index funds, Olstein said.

22.   Investors avoided bank and utility stocks, which are sensitive to interest rate changes.

23.   Investors can avoid the bewildering decision of which class of shares is best by buying a no-load fund directly from a fund company.

24.   Japanese bonds fell, pushing yields to their highest level in two months, as traders and investors avoided placing bets before a spate of economic reports tomorrow.

25.   Kim, from the Korea Investment Trust, recommends investors avoid SeoulBank and Korea First Bank.

26.   Many individual investors are avoiding blue chips in favor of promising smaller capitalization stocks in the over-the-counter market.

27.   Most Madrid-based analysts are recommending that investors avoid Huarte until the support for the plan is secure.

28.   Moreover, municipal bonds allow investors to avoid taxes on the fixed-income portion of their portfolios, even in their taxable accounts.

29.   Most investors avoid buying shares at the end of the year because they do not want to face taxes on gains earned before they bought into the fund.

30.   Obviously, the terrorist strikes changed priorities as to what investors should avoid as well as what they should buy, analysts noted.