21.   Each quarter, the performances of managers are reviewed by institutions, pension fund officers and other fund investors.

22.   Experts say long-term fund investors are less likely to redeem fund shares than panicky depositors are to yank cash from bank accounts.

23.   First, fund investors pay U.S. Global no management fee and are charged virtually nothing for any of the other expenses of operating the fund.

24.   For fund investors, it shows how much returns bounce around.

25.   For now, the investments appear to be paying off for fund investors.

26.   For fund investors, how much of a portfolio should be in emerging markets?

27.   Fund investors generally consider a large-capitalization growth fund a core holding in their portfolios.

28.   Fund investors have long been active on the Net, first by trading information in news groups.

29.   Fund investors have recently not paid much attention to fund expenses because investment returns have been so great.

30.   Fund investors who tend to worry about manager switches have a lot to chew on.