GOVERNMENT BOND

BEST OVERALL GOVERNMENT BOND FUND

Vanguard Interm-Term Treasury (VFITX)

A FAVORITE BECAUSE: Cheapskate paradise at 0.25% exp ratio. Low fees mandatory on low yield government bond funds. Best for auto investments.

WE DON'T LIKE: All treasury notes. With no default risk do you even need a fund? Cheaper ETFs are becoming available. Fee is still almost 10% of the your bond yield at today's low rates.

Named Favorite: 07/10
Return While Favorite: 12.3%
VS. S&P While Favorite: -84.97%
MAXrating: 91
Outlook: 4%
Expense Ratio: 0.20%

GOVERNMENT BOND SPECIAL CRITERIA WINNERS

BEST OPEN-END GOVERNMENT BOND FUND

Vanguard Interm-Term Treasury (VFITX)

Named Favorite: 07/10
Return While Favorite: 12.3%
VS. S&P While Favorite: -84.97%
MAXrating: 91
Outlook: 4%
Expense Ratio: 0.20%

BEST GOVERNMENT BOND ETF

SPDR Lehman Intermediate Tr Treas (ITE)

Named Favorite: 07/10
Return While Favorite: 7.32%
VS. S&P While Favorite: -89.95%
MAXrating: NA
Outlook: NA
Expense Ratio: NA

BEST LOW MINIMUM GOVERNMENT BOND FUND

SPDR Lehman Intermediate Tr Treas (ITE)

Named Favorite: 07/10
Return While Favorite: 7.32%
VS. S&P While Favorite: -89.95%
MAXrating: 97
Outlook: 3%
Expense Ratio: 0.20%

BEST NTF GOVERNMENT BOND FUND

American Century Govt Bond Inv (CPTNX)

Named Favorite: 07/10
Return While Favorite: 9.69%
VS. S&P While Favorite: -87.58%
MAXrating: 91
Outlook: 4%
Expense Ratio: 0.47%

GOVERNMENT BOND PREVIOUS FAVORITES

Fund Name/Ticker: Added Removed Return Vs. S&P

GOVERNMENT BOND TRANSACTIONS

11/99 - Added Vanguard Interm-Term Treasury (VFITX). Added as Best Open-End and Best Overall Government Bond fund.

11/99 - Added SPDR Lehman Intermediate Tr Treas (ITE). Added as Best Government Bond Exchange Trade Fund.

11/99 - Added American Century Govt Bond Inv (CPTNX). Added as Best Government Bond No-Transaction Fee Fund.