As you review your choices, remember to select the one financial services organization that offers the investment options and products that best match your personal financial goals. The charts on the following pages will help you evaluate your choices. They show the historical rates of return for each financial services organization's available investment options and the various operating fees that may be assessed against these options. This means that they already exclude the operating fees a financial services organization may charge you for managing, investing or marketing a particular investment option.
Operating expenses appear in separate columns.
Consider the total expenses each fund charges as well as the kinds of services or benefits it provides. Keep in mind that you can reduce your overall investing costs by monitoring these expenses and taking them into account in your investment selection process. Since each financial services organization offers similar investment opportunities, it's a good idea to review the materials from each of these organizations before you make your decision as to where to invest your money. These charts show the historical rates of return and operating expenses for each financial services organization's mutual funds and annuity options for the quarter ending March 31, 1999. These investment options are listed alphabetically within each level of risk, and the annuity investment options appear in italic print.