Table 1. The Top Funds Over Five Years (2003-2007)
Fund (Ticker) 5-Year
Annualized
Total Return (%)
Annual Total Return (%) Bull*
Market
Return
(%)
Bear*
Market
Return
(%)
Tax-
Effic'y
Rating
(%)
Risk Index Total Assets
($ Mil)
Number
of
Holdings
% of
Port in
Top 10
Invest
Exp
Ratio
(%)
Phone Web
Fund Cat +/- 2007 2006 2005 2004 2003 Category Total
Stock Funds
Large-Cap Stock
CGM Focus (CGMFX) 37.1 23.5 79.9 14.9 25.3 12.3 66.4 420.0 74.5 93 2.28 2.28 5,460.4 24 59 1.02 800-598-0778 www.cgmfunds.com
Kinetics Paradigm (WWNPX) 26.2 12.6 21.1 27.8 16.1 20.9 47.7 256.5 -4.0 99 1.31 1.31 2,898.5 228 35 1.63 800-930-3828 www.kineticsfunds.com
Marsico 21st Century (MXXIX) 22.6 9.0 19.3 18.6 7.8 22.2 48.7 201.9 -50.1 99 1.33 1.33 2,715.5 51 46 1.31 888-860-8686 www.marsicofunds.com
USAA Capital Growth (USCGX) 22.0 8.4 12.7 22.4 8.5 16.2 55.2 199.9 na 97 1.31 1.31 719.4 249 12 1.16 800-531-8181 www.usaa.com
Excelsior Value & Restructuring (UMBIX) 19.7 6.1 10.4 14.8 9.9 19.3 47.7 166.9 -27.9 99 1.25 1.25 8,992.1 101 27 1.05 800-446-1012 www.excelsiorfunds.com
Large-Cap Stock Average 13.6 0.0 8.4 13.0 6.4 11.5 30.9 109.5 -32.8 98 1.00 1.00 3,049.1 203 35 0.95    
Mid-Cap Stock
Fidelity Leveraged Company Stock (FLVCX) 31.8 14.8 17.8 17.5 17.4 24.4 96.3 323.2 na 97 1.12 1.35 7,694.0 223 28 0.83 800-544-8544 www.fidelity.com
Hodges (HDPMX) 27.4 10.4 8.4 17.7 17.2 24.4 80.2 299.9 -53.9 98 1.19 1.45 731.7 107 25 1.42 866-811-0224 www.hodgesfund.com
Janus Orion (JORNX) 25.7 8.7 32.3 18.6 20.9 14.8 43.8 240.0 na 100 1.07 1.30 5,098.5 46 42 0.99 800-525-0020 www.janus.com
Bridgeway Aggressive Investors 2 (BRAIX) 22.5 5.5 32.1 5.4 18.5 16.2 44.0 204.1 na 99 1.52 1.85 833.1 76 31 1.22 800-661-3550 www.bridgeway.com
American Century Vista Inv (TWCVX) 22.1 5.1 38.7 9.0 8.8 15.7 42.8 186.6 -55.1 99 1.24 1.51 2,887.0 80 36 1.00 800-345-8765 www.americancentury.com
Mid-Cap Stock Average 17.0 0.0 10.2 12.9 10.4 16.2 38.5 144.7 -25.2 97 1.00 1.21 2,014.6 222 28 1.10    
Small-Cap Stock
Winslow Green Growth (WGGFX) 27.4 11.4 23.4 12.7 12.1 12.0 91.7 251.7 na 99 1.61 2.27 377.3 53 44 1.45 800-441-7031 www.winslowgreen.com
Royce Value Plus Service (RYVPX) 26.3 10.3 3.2 19.3 13.1 28.1 79.8 263.7 na 98 1.08 1.53 2,690.4 124 24 1.26 800-221-4268 www.roycefunds.com
Royce Value Service (RYVFX) 23.4 7.4 3.7 16.7 17.2 30.9 54.3 211.1 na 98 1.11 1.56 663.8 68 33 1.31 800-221-4268 www.roycefunds.com
Marshall Small-Cap Growth Inv (MRSCX) 20.7 4.7 18.7 14.8 8.6 16.6 48.6 202.6 -51.5 95 1.13 1.59 280.2 98 17 1.53 800-236-3863 www.marshallfunds.com
Perritt Micro Cap Opportunities (PRCGX) 20.7 4.7 3.0 13.7 14.4 17.1 63.4 190.8 5.5 95 0.95 1.33 493.8 168 26 1.27 800-332-3133 www.perrittmutualfunds.com
Small-Cap Stock Average 16.0 0.0 2.3 14.3 6.8 16.7 47.3 144.1 -13.9 96 1.00 1.41 878.1 237 25 1.27  
Sector Stock
U.S. Global Investors Global Res (PSPFX) 45.9 13.8 39.9 22.1 48.9 30.4 99.5 537.7 19.9 93 1.12 2.62 1,609.7 287 28 0.94 800-873-8637 www.usfunds.com
Vanguard Energy (VGENX) 34.0 1.9 37.0 19.6 44.5 36.6 33.7 323.3 18.9 97 0.88 2.06 8,816.0 93 40 0.25 800-662-6273 www.vanguard.com
Energy/Resources Sector Average 32.1 0.0 42.3 14.6 44.2 33.5 31.5 303.8 -3.7 97 1.00 2.34 1,755.3 87 45 1.14    
Fidelity Select Brokerage & Investment (FSLBX) 19.3 9.6 -0.1 21.2 29.8 12.9 36.4 183.5 -23.7 96 1.30 1.61 787.6 67 52 0.89 800-544-8544 www.fidelity.com
ICON Financial (ICFSX) 13.8 4.1 -5.3 19.1 2.4 18.3 40.2 115.8 15.1 95 0.97 1.20 174.8 47 38 1.21 800-764-0442 www.iconfunds.com
Financial/Banking Sector Average 9.7 0.0 -14.5 15.1 6.7 13.5 34.5 88.2 20.6 95 1.00 1.23 285.6 64 53 1.04    
U.S. Global Investors WrldPrecMineral (UNWPX) 36.6 10.4 23.0 52.2 30.8 0.9 92.6 426.8 46.4 93 1.07 3.51 984.5 304 39 0.99 800-873-8637 www.usfunds.com
USAA Precious Metals and Minerals (USAGX) 31.2 5.0 27.6 43.1 39.2 -10.7 71.4 344.8 106.4 97 0.92 3.04 1,001.8 50 54 1.21 800-531-8181 www.usaa.com
Gold Sector Average 26.2 0.0 23.7 33.1 33.3 -7.0 58.3 276.7 82.1 97 1.00 3.29 937.9 75 59 1.19    
Fidelity Select Medical Delivery (FSHCX) 22.9 8.9 16.8 -1.5 29.0 45.4 30.1 182.6 48.3 97 0.98 0.99 703.9 84 68 0.94 800-544-8544 www.fidelity.com
Schwab Health Care (SWHFX) 19.4 5.4 10.6 2.1 20.0 31.0 36.7 157.9 na 100 0.88 0.89 828.0 73 44 0.84 800-435-4000 www.schwab.com
Health Sector Average 14.0 0.0 11.4 3.1 13.9 13.5 30.5 103.7 -2.0 98 1.00 1.02 1,670.0 101 44 1.02    
CGM Realty (CGMRX) 41.4 22.2 34.4 29.0 26.9 35.5 89.7 485.8 40.5 88 1.07 1.83 1,991.4 20 69 0.88 800-343-5678 www.cgmfunds.com
Alpine International Real Estate (EGLRX) 28.7 9.5 2.8 38.7 17.3 36.0 55.1 301.7 13.5 95 0.77 1.32 2,193.9 178 22 1.17 888-785-5578 www.alpinecef.com
Real Estate Sector Average 19.2 0.0 -13.3 31.9 12.2 32.3 42.8 183.1 42.6 91 1.00 1.71 1,077.3 82 47 1.04    
Matthews Asian Technology (MATFX) 27.3 10.5 23.7 21.2 19.8 12.8 64.9 290.5 -73.2 100 0.96 1.62 252.3 54 37 1.39 800-789-2742 www.matthewsfunds.com
Baron iOpportunity (BIOPX) 25.9 9.1 21.1 12.1 7.0 25.5 73.8 250.8 -58.7 100 0.92 1.55 198.0 57 37 1.42 800-442-3814 www.baronfunds.com
Technology Sector Average 16.8 0.0 14.8 9.8 5.3 3.9 58.5 144.9 -75.9 99 1.00 1.68 393.6 64 45 1.38    
Fidelity Select Wireless (FWRLX) 31.2 10.1 27.4 8.7 17.3 42.5 68.3 337.6 na 99 0.97 1.48 701.4 55 66 0.96 800-544-8544 www.fidelity.com
T. Rowe Price Media & Telecom (PRMTX) 29.5 8.4 21.8 28.5 18.1 26.2 55.9 302.8 -56.1 99 0.87 1.34 2,088.7 73 47 0.87 800-638-5660 www.troweprice.com
Telecommunications Sector Average 21.1 0.0 18.0 21.4 6.4 22.0 43.7 206.1 -72.5 99 1.00 1.54 584.9 78 58 1.18    
Fidelity Select Utilities Growth (FSUTX) 21.4 1.2 18.1 30.0 9.3 24.2 26.4 188.1 -61.4 99 0.97 1.04 754.3 37 57 0.93 800-544-8544 www.fidelity.com
American Century Utilities Inv (BULIX) 20.9 0.7 17.8 24.9 14.3 23.8 23.9 178.9 -46.9 98 0.93 1.00 495.6 59 36 0.67 877-256-6083 www.americancentury.com
Utilities Sector Average 20.2 0.0 16.5 25.7 12.6 22.5 24.6 179.2 -42.4 97 1.00 1.08 425.6 74 46 1.10    
Global Stock
Janus Contrarian (JSVAX) 26.9 7.8 21.2 24.5 16.0 22.6 53.2 249.2 -34.3 97 1.17 1.30 8,212.4 69 34 0.94 800-525-0020 www.janus.com
T. Rowe Price Global Stock (PRGSX) 21.9 2.8 20.3 22.5 22.7 14.3 30.0 193.7 -43.6 98 1.10 1.22 889.2 69 30 1.00 800-638-5660 www.troweprice.com
Vanguard Global Equity (VHGEX) 21.7 2.6 11.6 23.5 11.7 20.0 44.5 200.2 -11.1 96 0.99 1.10 7,603.9 670 20 0.64 800-997-2798 www.vanguard.com
Oakmark Global I (OAKGX) 21.0 1.9 7.3 24.1 13.2 15.6 48.9 201.4 22.0 95 0.74 0.82 2,825.5 53 32 1.18 800-625-6275 www.oakmark.com
Fidelity Worldwide (FWWFX) 19.6 0.5 18.4 17.4 13.5 12.2 38.4 174.1 -35.2 95 1.00 1.11 1,696.9 315 23 1.02 800-544-8544 www.fidelity.com
Global Stock Average 19.1 0.0 13.2 20.5 13.0 15.2 36.3 170.5 -35.8 97 1.00 1.10 1,727.8 118 36 1.28    
Foreign Stock
Driehaus International Discovery (DRIDX) 32.1 9.2 32.3 16.4 43.9 11.9 62.4 340.5 -50.1 93 1.42 1.78 854.9 89 19 1.68 800-560-6111 www.driehaus.com
T. Rowe Price International Discovery (PRIDX) 31.2 8.3 16.5 27.6 27.8 23.7 65.2 336.2 -58.4 96 1.11 1.40 3,009.5 233 14 1.24 800-638-5660 www.troweprice.com
American Century Intl Discovery Inv (TWEGX) 30.5 7.6 24.4 31.5 31.5 16.2 51.3 330.7 -52.5 89 1.44 1.81 1,730.2 103 22 1.41 800-345-2021 www.americancentury.com
Dodge & Cox International Stock (DODFX) 27.0 4.1 11.7 28.0 16.7 32.4 49.4 279.4 na 97 0.85 1.08 53,426.0 110 24 0.66 800-621-3979 www.dodgeandcox.com
Thomas White International (TWWDX) 26.2 3.3 17.9 31.7 25.5 20.4 36.2 265.6 -40.2 95 1.03 1.30 261.9 147 20 1.44 800-811-0535 www.thomaswhite.com
Foreign Stock Average 22.9 0.0 12.4 25.7 18.2 19.5 41.8 225.2 -43.3 96 1.00 1.26 3,624.2 223 26 1.14    
Regional/Country Stock
T. Rowe Price Latin America (PRLAX) 51.1 23.3 48.9 51.2 60.0 38.3 57.9 812.4 -38.8 98 1.39 2.55 3,729.7 47 63 1.24 800-638-5660 www.troweprice.com
Fidelity Latin America (FLATX) 49.7 21.9 43.7 44.3 55.1 41.1 65.7 753.8 -45.3 97 1.34 2.45 5,831.4 107 53 1.02 800-544-8544 www.fidelity.com
T. Rowe Price Em Eur & Mediterranean (TREMX) 43.2 15.4 27.9 34.7 59.0 30.0 69.2 463.7 na 97 1.12 2.04 1,801.1 52 44 1.26 800-638-5660 www.troweprice.com
Metzler/Payden European Emerg Mkts (MPYMX) 41.8 14.0 28.4 46.2 37.9 53.2 44.7 511.7 na 94 1.22 2.23 614.0 83 41 1.24 888-376-3834 www.metzlerpayden.com
T. Rowe Price New Asia (PRASX) 39.1 11.3 66.3 36.1 26.4 18.6 53.5 471.2 -49.5 95 1.12 2.04 5,555.4 99 24 1.05 800-638-5660 www.troweprice.com
Regional/Country Stock Average 27.8 0.0 25.2 25.4 28.7 20.5 49.5 312.0 -39.4 96 1.00 1.82 2,154.3 99 39 1.33    
Emerging Stock
American Century Emerging Markets Inv (TWMIX) 39.2 1.7 43.7 42.5 35.9 13.5 65.6 476.6 -55.6 94 0.88 1.99 1,084.5 117 18 1.80 800-345-2021 www.americancentury.com
Fidelity Emerging Markets (FEMKX) 38.5 1.0 45.0 33.3 44.3 22.9 48.7 467.3 -42.7 98 0.94 2.13 6,437.8 366 22 1.01 800-544-8544 www.fidelity.com
T. Rowe Price Emerging Markets Stock (PRMSX) 38.3 0.8 42.9 32.0 38.7 26.9 52.2 461.8 -42.2 97 0.91 2.08 4,746.4 139 22 1.25 800-638-5660 www.troweprice.com
Emerging Stock Average 37.5 0.0 40.0 34.0 35.1 26.4 58.1 444.5 -38.7 97 1.00 2.27 2,221.1 226 31 1.48    
Balanced Stock/Bond Funds
Balanced: Domestic
T. Rowe Price Personal Strat Growth (TRSGX) 14.5 3.6 7.8 14.1 7.6 14.9 29.2 113.6 -18.1 96 1.29 0.77 1,252.7 1,243 13 0.84 800-638-5660 www.troweprice.com
Vanguard LifeStrategy Growth (VASGX) 14.0 3.1 7.4 16.1 6.8 12.5 28.5 109.5 -32.6 97 1.25 0.75 9,859.5 5 100 0.00 800-997-2798 www.vanguard.com
Fidelity Balanced (FBALX) 13.8 2.9 8.9 11.6 10.6 10.9 28.2 102.6 -5.5 95 1.23 0.74 27,227.2 3,073 21 0.60 800-544-8544 www.fidelity.com
Fidelity Four-in-One Index (FFNOX) 13.4 2.5 6.1 15.4 6.4 12.3 28.2 104.1 -34.9 97 1.21 0.73 2,003.2 4 100 0.08 800-544-8544 www.fidelity.com
Value Line Income & Growth (VALIX) 13.3 2.4 7.8 11.0 9.9 14.3 24.4 96.9 -23.6 93 1.02 0.61 386.2 287 18 1.06 800-243-2729 www.valueline.com
Balanced: Domestic Average 10.9 0.0 7.1 11.0 5.6 10.0 22.1 77.1 -9.2 95 1.00 0.60 2,690.5 483 47 0.77    
Balanced: Global
Fidelity Global Balanced (FGBLX) 15.8 4.0 13.7 13.6 9.0 13.6 29.8 121.6 -23.3 95 1.10 0.70 381.8 491 23 1.14 800-544-8544 www.fidelity.com
Managers Fremont Global (MMAFX) 12.5 0.7 8.3 12.7 7.3 11.8 22.7 90.8 -31.5 96 1.10 0.70 165.9 382 41 1.11 800-548-4539 www.managersfunds.com
Balanced: Global Average 11.8 0.0 8.4 11.2 4.4 10.1 23.1 86.3 -10.3 95 1.00 0.63 563.7 441 36 1.24    
Balanced: Target
T. Rowe Price Retirement 2010 (TRRAX) 11.9 3.7 6.6 12.8 6.2 11.1 23.7 85.8 na 96 1.38 0.59 4,016.6 14 93 0.00 800-492-7670 www.troweprice.com
Fidelity Freedom 2010 (FFFCX) 9.3 1.1 7.4 9.4 5.9 7.2 17.1 62.1 -15.0 95 1.20 0.52 14,721.0 26 65 0.00 800-544-8544 www.fidelity.com
Target Date: 2000-2014 Average 8.2 0.0 6.5 9.3 4.7 6.9 14.7 53.9 -4.0 95 1.00 0.43 2,861.8 16 89 0.00    
T. Rowe Price Retirement 2020 (TRRBX) 13.5 1.7 6.7 14.6 7.1 12.8 27.4 103.6 na 97 1.14 0.72 6,087.9 14 93 0.00 800-492-7670 www.troweprice.com
Fidelity Freedom 2020 (FFFDX) 12.3 0.5 8.5 11.6 7.7 9.5 24.8 89.5 -29.3 96 1.12 0.71 21,276.1 26 66 0.00 800-544-8544 www.fidelity.com
Target Date: 2015-2029 Average 11.8 0.0 6.9 12.5 6.4 9.9 24.2 87.6 -31.2 95 1.00 0.64 4,669.5 19 87 0.08    
T. Rowe Price Retirement 2040 (TRRDX) 14.7 0.3 6.7 16.2 8.1 14.1 29.9 119.6 na 97 1.01 0.83 2,134.3 13 93 0.00 800-492-7670 www.troweprice.com
T. Rowe Price Retirement 2030 (TRRCX) 14.7 0.3 6.8 16.1 8.1 14.1 29.9 119.0 na 97 1.00 0.82 4,132.2 13 94 0.00 800-492-7670 www.troweprice.com
Target Date: 2030+ Average 14.4 0.0 7.6 14.8 7.9 12.2 29.8 114.7 -36.2 96 1.00 0.82 2,385.5 14 91 0.04    
Domestic Taxable Stock Average 15.8 -- 8.1 14.1 8.8 14.1 37.7 135.8 -22.5 na 1.24 -- 1,989.9 187 35      
Bond Funds
Corporate High-Yield Bond
Fidelity Capital & Income (FAGIX) 14.0 5.3 3.8 13.0 5.0 12.5 39.1 85.4 -9.7 90 1.14 0.54 9,718.3 504 23 0.75 800-544-8544 www.fidelity.com
Fidelity High Income (SPHIX) 10.3 1.6 2.3 10.7 3.4 9.6 27.2 59.9 -13.2 89 1.00 0.47 5,200.4 420 16 0.75 800-544-8544 www.fidelity.com
USAA High-Yield Opportunities (USHYX) 10.1 1.4 1.2 11.0 3.3 10.5 26.5 61.4 4.0 89 0.89 0.42 681.8 327 13 0.94 800-531-8181 www.usaa.com
T. Rowe Price High-Yield (PRHYX) 9.6 0.9 3.1 9.7 3.4 10.3 22.5 56.0 9.7 88 0.95 0.45 4,013.8 436 14 0.77 800-638-5660 www.troweprice.com
Corporate High-Yield Bond Average 8.7 0.0 2.2 9.7 2.0 9.4 21.3 51.4 2.8 88 1.00 0.48 1,135.1 190 27 0.86    
Mortgage-Backed Bond
TCW Total Return Bond N (TGMNX) 4.3 0.7 6.1 5.0 2.9 4.9 2.7 21.1 35.5 92 1.20 0.26 369.1 140 32 0.74 800-386-3829 www.tcw.com
Vanguard GNMA (VFIIX) 4.2 0.6 7.0 4.3 3.3 4.1 2.4 19.2 30.1 92 1.20 0.26 12,776.3 28,753 9 0.21 800-662-2739 www.vanguard.com
Payden GNMA (PYGNX) 4.1 0.5 6.2 4.4 2.9 4.1 3.0 18.6 30.4 91 1.20 0.26 167.6 87 56 0.50 800-572-9336 www.payden.com
Fidelity Ginnie Mae (FGMNX) 3.9 0.3 6.7 4.1 2.6 4.1 2.2 18.2 27.4 93 1.20 0.26 3,211.6 118 75 0.45 800-544-8544 www.fidelity.com
T. Rowe Price GNMA (PRGMX) 3.8 0.2 6.5 3.8 2.7 3.7 2.3 17.2 28.9 93 1.10 0.24 1,342.2 2,464 23 0.65 800-638-5660 www.troweprice.com
Mortgage-Backed Bond Average 3.6 0.0 5.7 4.2 2.4 3.3 2.2 16.4 26.9 92 1.00 0.22 1,302.7 2,031 53 0.63    
Government Bond: Short-Term
American Century Target Mat 2010 Inv (BTTNX) 3.9 1.1 8.3 2.8 1.3 4.0 3.1 15.0 46.4 92 2.29 0.34 240.3 51 62 0.57 800-345-2021 www.americancentury.com
Vanguard Short-Term Federal (VSGBX) 3.3 0.5 7.4 4.3 1.7 1.3 1.9 14.6 26.7 94 1.07 0.16 1,581.0 110 39 0.20 800-662-2739 www.vanguard.com
Vanguard Short-Term Treasury (VFISX) 3.3 0.5 7.8 3.7 1.7 1.0 2.3 14.4 25.8 94 1.21 0.18 1,594.0 45 70 0.26 800-662-2739 www.vanguard.com
AMF Short U.S. Government (ASITX) 3.1 0.3 5.7 4.3 2.2 1.4 1.8 14.4 20.2 94 0.71 0.11 137.1 24 74 0.51 800-527-3713 www.amffunds.com
Government Bond: Short-Term Average 2.8 0.0 6.2 3.8 1.6 1.2 1.7 12.6 23.9 94 1.00 0.15 392.2 53 71 0.58    
Government Bond: Intermediate-Term
Vanguard Inflation-Protected Secs (VIPSX) 6.1 2.1 11.5 0.4 2.5 8.2 8.0 24.1 na 93 1.38 0.47 6,662.0 22 69 0.20 800-662-7447 www.vanguard.com
American Century Target Mat 2015 Inv (BTFTX) 5.9 1.9 9.8 2.0 4.8 9.0 3.9 23.8 45.7 92 2.03 0.70 247.7 54 62 0.57 800-345-2021 www.americancentury.com
Vanguard Interm-Term U.S. Treas (VFITX) 4.2 0.2 9.9 3.1 2.3 3.4 2.3 16.9 38.1 92 1.19 0.41 2,075.7 49 76 0.26 800-662-2739 www.vanguard.com
Marshall Government Income Inv (MRGIX) 4.0 0.0 5.8 4.6 2.3 4.2 3.0 19.6 25.5 93 0.63 0.22 572.4 121 49 0.89 800-236-3863 www.marshallfunds.com
Government Bond: Interm-Term Average 4.0 0.0 8.2 3.0 2.2 3.8 3.0 16.6 31.5 92 1.00 0.34 1,126.8 82 66 0.58    
Government Bond: Long-Term
American Century Target Mat 2025 Inv (BTTRX) 7.9 2.4 9.4 -1.3 14.4 16.3 2.0 34.5 36.2 91 1.52 1.32 228.8 48 52 0.57 800-345-2021 www.americancentury.com
American Century Target Mat 2020 Inv (BTTTX) 6.9 1.4 9.1 0.0 10.2 12.4 3.4 29.6 41.8 92 1.19 1.03 243.4 41 68 0.57 800-345-2021 www.americancentury.com
Wasatch-Hoisington U.S. Treasury (WHOSX) 6.2 0.7 10.0 -0.1 10.4 10.2 1.2 25.0 36.9 93 1.27 1.11 117.6 11 99 0.71 800-551-1700 www.wasatchfunds.com
American Century Inflat-Adj Bd Inv (ACITX) 5.6 0.1 10.9 0.0 2.4 7.9 7.3 22.1 38.8 93 0.56 0.48 646.5 34 67 0.49 800-345-2021 www.americancentury.com
Government: Long-Term Bond Average 5.5 0.0 9.8 -0.3 6.9 8.7 2.9 21.5 36.9 91 1.00 0.87 401.5 124 76 0.65    
General Bond: Short-Term
Metropolitan West Low Duration Bond M (MWLDX) 4.1 1.2 2.5 6.1 2.7 3.2 5.9 21.8 13.7 93 0.79 0.12 1,354.5 355 19 0.58 800-241-4671 www.mwamllc.com
Vanguard Short-Term Investment-Grade (VFSTX) 3.8 0.9 5.8 4.9 2.2 2.1 4.1 18.2 22.5 93 0.86 0.13 11,155.2 816 10 0.21 800-662-2739 www.vanguard.com
USAA Short-Term Bond (USSBX) 3.7 0.8 5.7 4.7 2.2 1.8 4.2 17.3 11.0 94 0.71 0.11 556.8 220 13 0.69 800-531-8181 www.usaa.com
Vanguard Short-Term Bond Index (VBISX) 3.5 0.6 7.2 4.0 1.3 1.7 3.3 15.3 25.1 94 1.21 0.18 2,773.1 770 21 0.18 800-662-6273 www.vanguard.com
Marshall Short-Term Income Inv (MSINX) 3.4 0.5 5.6 4.9 2.0 1.4 3.0 16.2 18.8 93 0.57 0.09 73.3 84 36 0.58 800-236-3863 www.marshallfunds.com
General Bond: Short-Term Average 2.9 0.0 3.0 4.6 2.1 1.9 3.1 14.4 18.9 93 1.00 0.15 1,107.2 364 38 0.62    
General Bond: Intermediate-Term
Metropolitan West Total Return Bond M (MWTRX) 7.0 3.0 6.2 6.9 3.0 5.1 13.8 35.2 18.2 91 0.92 0.25 2,707.6 380 42 0.65 800-241-4671 www.mwamllc.com
Westcore Plus Bond (WTIBX) 6.2 2.2 5.4 5.8 2.0 6.3 11.6 31.9 25.8 91 0.96 0.26 1,101.3 284 40 0.55 800-392-2673 www.westcore.com
Managers Fremont Bond (MBDFX) 5.0 1.0 8.4 3.4 2.9 5.3 5.3 22.7 34.6 93 1.32 0.35 1,248.6 738 352 0.60 800-548-4539 www.managersfunds.com
Vanguard Interm-Term Bond Index (VBIIX) 4.8 0.8 7.6 3.9 1.7 5.2 5.6 20.9 36.0 92 1.52 0.41 3,019.9 894 26 0.18 800-662-6273 www.vanguard.com
T. Rowe Price New Income (PRCIX) 4.7 0.7 6.3 4.1 2.8 4.5 5.6 20.9 28.9 93 1.08 0.29 7,577.7 1,476 23 0.66 800-225-5132 www.troweprice.com
General Bond: Intermediate-Term Average 4.0 0.0 5.0 4.2 1.9 3.9 5.1 18.4 28.5 92 1.00 0.27 2,295.6 676 40 0.64    
General Bond: Long-Term
Managers Bond (MGFIX) 6.5 1.1 7.0 7.8 2.2 5.1 10.7 33.1 29.6 93 0.80 0.34 1,942.5 325 37 0.99 800-548-4539 www.managersfunds.com
T. Rowe Price Corporate Income (PRPIX) 6.1 0.7 3.7 4.9 2.5 7.0 13.0 30.4 26.0 92 0.90 0.39 220.7 279 18 0.73 800-638-5660 www.troweprice.com
Vanguard Long-Term Bond Index (VBLTX) 5.6 0.2 6.5 2.6 5.3 8.3 5.5 25.4 40.0 91 1.65 0.71 2,276.8 737 30 0.18 800-662-6273 www.vanguard.com
General Bond: Long-Term Average 5.4 0.0 5.0 4.3 2.3 6.3 9.5 25.9 29.3 91 1.00 0.43 1,207.0 322 29 0.74    
National Muni Bond: Short-Term
Wells Fargo Advantage S/T Muni Bd Inv (STSMX) 3.5 1.2 3.9 3.6 2.6 3.2 4.0 16.8 15.9 100 0.71 0.05 678.5 292 27 0.66 800-222-8222 www.wellsfargofunds.com
USAA Tax Exempt Short-Term (USSTX) 2.6 0.3 3.3 3.5 1.7 1.5 2.9 12.0 16.7 100 1.00 0.08 1,006.4 264 19 0.55 800-531-8448 www.usaa.com
Vanguard Ltd-Term Tax-Ex (VMLTX) 2.6 0.3 4.3 3.3 1.1 1.5 2.7 11.5 19.1 100 1.43 0.11 1,821.6 737 7 0.16 800-997-2798 www.vanguard.com
National Muni Bond: Short-Term Average 2.3 0.0 3.2 3.1 1.6 1.3 2.5 10.9 14.6 99 1.00 0.07 539.0 206 27 0.55    
National Muni Bond: Intermediate-Term
Fidelity Intermediate Municipal Income (FLTMX) 3.9 0.8 3.9 3.9 2.5 3.7 5.3 18.3 24.7 100 0.90 0.20 2,006.4 736 10 0.34 800-544-8544 www.fidelity.com
USAA Tax Exempt Intermediate-Term (USATX) 3.8 0.7 1.9 4.5 3.0 4.2 5.1 19.0 23.4 100 1.14 0.26 2,754.8 571 10 0.56 800-531-8448 www.usaa.com
Vanguard Interm-Term Tax-Ex (VWITX) 3.5 0.4 3.4 4.4 2.2 3.2 4.4 16.7 22.5 100 1.05 0.24 4,955.8 1,275 7 0.17 800-997-2798 www.vanguard.com
T. Rowe Price Summit Municipal Interm (PRSMX) 3.5 0.4 3.7 4.1 2.2 3.0 4.4 16.6 23.8 100 1.00 0.23 628.5 326 10 0.50 800-638-5660 www.troweprice.com
Northern Intermediate Tax-Exempt (NOITX) 3.3 0.2 3.4 3.8 2.0 3.1 4.6 15.5 23.4 99 0.90 0.20 698.4 191 17 0.75 800-595-9111 www.northernfunds.com
National Muni Bond: Interm-Term Average 3.1 0.0 2.9 3.8 2.0 2.8 4.2 14.8 22.7 99 1.00 0.23 1,117.3 370 21 0.58    
National Muni Bond: Long-Term
Fidelity Tax-Free Bond (FTABX) 4.5 0.6 3.2 4.8 3.7 4.8 6.1 22.3 na 100 1.04 0.29 866.7 523 9 0.17 800-544-8544 www.fidelity.com
T. Rowe Price Summit Municipal Income (PRINX) 4.5 0.6 1.6 5.4 4.2 5.1 6.0 22.9 26.4 100 0.92 0.26 442.1 353 12 0.50 800-638-5660 www.troweprice.com
Fidelity Municipal Income (FHIGX) 4.4 0.5 3.1 4.7 3.6 4.7 5.8 21.4 27.8 99 0.92 0.26 5,135.0 1,076 9 0.45 800-544-8544 www.fidelity.com
USAA Tax Exempt Long-Term (USTEX) 4.3 0.4 0.6 4.7 3.8 5.5 7.0 22.4 26.6 100 1.12 0.31 2,369.9 296 16 0.54 800-531-8448 www.usaa.com
Vanguard Insured Long-Term T/E (VILPX) 4.1 0.2 2.5 4.9 3.3 3.9 5.7 19.9 27.0 100 1.08 0.30 938.9 297 14 0.16 800-997-2798 www.vanguard.com
National Muni Bond: Long-Term Average 3.9 0.0 2.0 4.7 3.3 4.5 5.2 19.8 24.8 99 1.00 0.28 1,022.5 278 21 0.56    
National Muni Bond: High-Yield
T. Rowe Price Tax-Free High-Yield (PRFHX) 5.1 0.5 -1.1 6.8 6.2 6.6 7.0 28.4 19.2 100 0.89 0.26 1,445.9 477 9 0.72 800-225-5132 www.troweprice.com
National Muni Bond: High-Yield Average 4.6 0.0 -0.9 6.9 5.5 5.8 6.3 25.7 21.4 100 1.00 0.29 744.0 326 20 0.71    
International Bond
T. Rowe Price Emerging Markets Bond (PREMX) 14.8 5.9 5.8 11.4 17.2 14.8 26.0 93.3 32.4 88 1.24 0.66 693.8 97 38 0.98 800-225-5132 www.troweprice.com
Fidelity New Markets Income (FNMIX) 14.1 5.2 5.7 11.8 11.1 12.5 30.8 84.6 31.5 89 1.14 0.60 2,106.0 157 30 0.90 800-544-8544 www.fidelity.com
Loomis Sayles Bond Ret (LSBRX) 12.3 3.4 8.2 10.9 4.0 11.0 28.8 71.0 22.1 91 0.82 0.43 7,516.7 507 27 0.97 800-633-3330 www.loomissayles.com
International Bond Average 8.9 0.0 7.8 8.9 2.9 9.6 18.3 49.5 27.0 91 1.00 0.53 1,503.9 194 48 0.93    
Domestic Taxable Bond Average 4.8 -- 5.2 4.9 2.5 4.7 6.9 24.0 22.8 na 0.33 -- 1,367.8 520 46      
* Bull market is defined as 3/1/03 through 10/31/07. Bear market is defined as 4/1/00 through 2/28/03.
Source: The Individual Investor's Guide to the Top Mutual Funds, 27th Edition, 2008, AAII.