51.   The fund tends to own a bigger percentage of lower rated bonds than other funds of its type.

52.   The fund tends toward larger stocks, and its top holdings at the end of June were Gap Inc., H.B. Fuller and Student Loan Marketing.

53.   The old-line funds tend to be a little mushier.

54.   The problem is that these funds tend to seek the highest possible yields, an investment approach that frequently brings erosion of net asset value.

55.   The Select fund tends to spread its assets among small- and large-sized companies.

56.   The strictures may seem tough, but the fund tends to stay fully invested.

57.   The top-rated funds also tend to be overseen by the same portfolio manager for a period of six years or more, Rothschild said.

58.   The world bond funds tended to make money on currency changes, but those gains were wiped out by losses caused by rising interest rates in most countries.

59.   These funds tend to invest in less risky types of stocks then so-called growth or aggressive growth funds.

60.   Though they are rarely the best performers in soaring markets, equity-income funds tend to provide a cushion for investors in down markets.