11.   Below is a chart of the top five fund groups and bottom five fund families as graded by Morningstar.

12.   Besides the USAA and Stein Roe funds, a number of other fund families have started offering youth-oriented Web sites and printed materials.

13.   A call to the management offices of the Permanent Portfolio fund family was not returned.

14.   A similar program could be executed with many fund families.

15.   A. The IRS ruling involved an accounting practive which, according to Morningstar Mutual Funds, was unique to the Eaton Vance municipal fund family.

16.   A. I presume that my one of my favorites you mean the Vanguard fund family.

17.   A. Unless you find the chores of tracking these five funds onerous, I see no particular reason to consolidate your IRA accounts into one fund family.

18.   Aggressive investors will have to turn to small fund families and boutique firms to meet their needs, but the bulk of the savers will be well served.

19.   All the gold funds did poorly, from fund families like Lexington Strategic Investments, U.S. Global Investors, USAA and Morgan Stanley.

20.   But if you diversify within the Phoenix fund family, you face no further charge.