Mutual Funds: Low Minimum

If you want to invest for your retirement, but your current level of income
and expenditure is not allowing you to invest in Funds that demand high
minimum balance, here are a few good choices for you. The funds we
present today will let you start a Roth IRA for $500 or less and do not
have any sales charges, or loads. Furthermore, they all have had a
dividend yield of at least 1% in past 12 months. [Caution: before you start
an account, check the prospectus to ensure that they have no annual
fees].

The following numbers can be compared with performance of average
stock funds: Return: 0.9% (2005), 7% (5-years)

1) Homestead Value, HOVLX [Return: 5.1% (2005), 61% (5-years) ]
2) Excelsior Midcap Value, UMVEX [Return: 0.8% (2005), 58% (5-years) ]
3) Summit Everest, SAEVX [Return: 2.7% (2005), 52% (5-years) ]
4) Westwood Balance AAA, WEBAX [Return: 4.5% (2005), 24% (5-years) ]
5) Russel Life Moderate, RMLEX [Return: 1.4% (2005), 23% (5-years) ]