All but seven categories beat the S&P 500

PRECIOUS METALS                  19.93%
JAPAN                            17.16
TECHNOLOGY                       7.85
DIVERSIFIED PACIFIC/ASIA         5.62
FOREIGN                          2.80
NATURAL RESOURCES                1.94
INTERNATIONAL HYBRID             0.67
EUROPE                           0.33
SMALL-CAP GROWTH                -0.23
WORLD                           -1.33
MID-CAP GROWTH                  -1.58
COMMUNICATIONS                  -1.64
HEALTH                          -2.02
LARGE-CAP GROWTH                -3.46
DOMESTIC HYBRID                 -3.98
UTILITIES                       -4.12
SMALL-CAP BLEND                 -5.26
DIVERSIFIED EMERGING MARKETS    -6.02
PACIFIC/ASIA EX-JAPAN           -6.04
LARGE-CAP BLEND                 -6.21
SMALL-CAP VALUE                 -7.45
MID-CAP BLEND                   -8.18
LATIN AMERICA                   -8.65
LARGE-CAP VALUE                 -9.60
MID-CAP VALUE                  -10.04
REAL ESTATE                    -10.31
FINANCIAL                      -13.80
ALL EQUITY FUNDS               -3.69
U.S. DIVERSIFIED EQUITY        -5.58
S&P 500 INDEX                  -6.31

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

DATA: MORNINGSTAR, INC.