TAXABLE FUNDS

                                   TOTAL RETURN*

DREYFUS HIGH-YIELD SECURITIES           16.47%
PHOENIX-GOODWIN EMG. MKTS. BD. A        12.57
FIDELITY ADVISOR EMG. MKTS. INC. T      11.88
FIDELITY NEW MARKETS INCOME             11.72
SUMMIT EMERGING MARKETS BOND            11.42
FIDELITY CAPITAL & INCOME               10.68
RYDEX JUNO                               9.65
DREYFUS PREMIER REAL EST. MTGE. A        9.61
LEGG MASON HIGH-YIELD PRIMARY            8.53
THIRD AVENUE HIGH-YIELD                  8.10
AVERAGE OF 1,317 TAXABLE FUNDS          -0.63


TAX-FREE FUNDS

MUNDER MI. TAX-FREE BOND A               2.20%
HEARTLAND SHORT DUR. HIGH-YIELD MUNI.    1.86
HEARTLAND HIGH-YIELD MUNI. BOND          1.6
STRONG SHORT-TERM MUNI. BOND             1.32
FRANKLIN P.R. TAX-FREE INCOME A          1.27
COLORADO BONDSHARES                      1.26
STRONG SHORT-TM. HIGH YLD. MUNI. BD.     1.21
CALVERT TAX-FREE RES. LTD.-TM. A         1.17
VAN KAMPEN HIGH-YIELD MUNI. A            1.15
DELAWARE NATL. HIGH-YIELD MUNI. A        1.15
AVERAGE OF 1,425 TAX-FREE FUNDS         -0.19


*Appreciation plus reinvestment of dividends and capital gains before taxes, 
Jan.1 through May 27, 1999

DATA: MORNINGSTAR INC.