Personal Business: SMART MONEY

TABLE: Currency Plays the CD Way

TOTAL RETURN IN US$ AT MATURITY $20,000 1-YEAR CD

IF US$ IF US$ NO YIELD* DOWN 10% UP 10%

CHANGE

SWISS FRANCS $22,667 $18,545 $20,400 2%

GERMAN MARKS 23,000 18,818 20,700 3.5%

NEW ZEALAND 23,650 19,350 21,500 DOLLARS 7.5%

JAPANESE YEN 22,444 18,363 20,200 1%

* As of Apr. 6, 1995 DATA: MARK TWAIN BANK