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To: MonsieurGonzo who wrote (4849)	12/14/1998 10:38:00 AM
From: MonsieurGonzo	Respond to of 11051

in SPY @ 115.7188 <>

To: MonsieurGonzo who wrote (4849)	12/14/1998 11:55:00 AM
From: Berney	Read Replies (1) \| Respond to of 11051

MG, Re: Mutual Funds I tend to view the mutual fund area as more long term. I can flip stocks with the best of them. The only real benefit (and a good one) is that it would essentially allow you to short the market in a retirement account. But, generally, a mutual fund has had to beat the index over 1-, 3-, 5-, and 10 years to come on my good guys list. It gets the list down to a reasonable number in a hurry. At the end of September, there were only 5 that made the cut: Fidelity Select Health Care, Janus Twenty, MFS Massachusetts Inv Growth A, Vanguard Spec Health Care, and Vanguard U.S. Growth. TB