Top No Load Mutual Funds - Insightful Investing Newsletter - April 2004


	Top No-Load Mutual Funds Model Portfolios

	Every Quarter We Update Our Model Portfolios of Best Performing No-Load Mutual Funds, Fidelity Mutual Funds, and Vanguard Mutual Funds. Besides possible changes in Asset Allocation, we let you know of any new funds to buy for your portfolio, or previous funds to sell from your portfolio. Here are our portfolios for April of 2004.

Fidelity Investments			Return %		Conservative		Insightful
Fund Name	Symbol	Type	1 Yr	3 Yr	Taxable	IRA/401K	Taxable	IRA/401K
Short-Term Bond or	FSHBX	STB	3.73	5.43	20%	20%	10%	10%
Spartan Short-Interm Muni	FSTFX	STMB	3.03	5.06
Mortgage Securities	FMSFX	IGB	4.09	6.40	5%	5%	10%	10%
Capital & Income	FAGIX	HYB	27.05	9.52	5%	5%	10%	10%
Real Estate Investments	FRESX	RE	47.83	21.13	10%	10%	10%	10%
Diversified International	FDIVX	Intl	58.60	7.59	10%	10%	10%	10%
Contrafund	FCNTX	LCB	35.67	6.49	5%	5%	5%	5%
Equity-Income II	FEQTX	LCV	40.15	4.17	5%	5%	5%	5%
Mid-Cap Stock	FMCSX	MCG	41.28	(1.18)	5%	5%	5%	5%
Value	FDVLX	MCV	47.53	11.78	5%	5%	5%	5%
Small Cap Stock	FSLCX	SCB	59.86	14.26	10%	15%	20%	20%
Cash Reserves or	FDRXX	MM	0.90	2.19	20%	15%	10%	10%
Spartan Muni Money	FIMXX	TEMM	0.84	1.58
					100%	100%	100%	100%

Vanguard			Return %		Conservative		Insightful
Fund Name	Symbol	Type	1 Yr	3 Yr	Taxable	IRA/401K	Taxable	IRA/401K
Short-Term Corp	VFSTX	STB	4.36	5.28	15%	15%	15%	10%
Ltd-Term Tax-Ex	VMLTX	STMB	2.81	4.89
GNMA	VFIIX	IGB	3.10	6.28	10%	10%	10%	10%
High-Yield Corporate	VWEHX	HYB	14.62	6.29	10%	10%	10%	10%
REIT Index	VGSIX	RE	50.08	21.10	10%	10%	10%	10%
International Value	VTRIX	Intl	61.00	4.57	10%	10%	10%	10%
U.S. Value	VUVLX	LCV	44.90	6.45	10%	10%	10%	10%
Strategic Equity	VSEQX	MCC	53.77	13.15	10%	10%	10%	15%
Explorer	VEXPX	SCG	58.38	8.60	10%	15%	15%	15%
Prime Money Mkt or	VMMXX	MM	0.77	2.14	15%	10%	10%	10%
Tax Exempt Money Mkt	VMSXX	TEMM	0.74	1.50
					100%	100%	100%	100%

All Funds Model Portfolio			% Return		Conservative		Insightful
Fund Name	Symbol	Type	1 Yr	3 Yr	Taxable	IRA/401K	Taxable	IRA/401K
PIMCO Low Duration D	PLDDX	STB	2.39	5.20	10%	10%	10%	10%
PIMCO Total Return Mortgage D	PTMDX	IGB	4.48	6.97	10%	10%	10%	10%
Westcore Flexible Income	WTLTX	HYB	30.08	10.39	10%	10%	10%	10%
Third Avenue Real Estate Value	TAREX	RE	48.84	20.16	10%	10%	10%	10%
William Blair Intl Growth	WBIGX	Intl	55.40	4.09	0%	5%	5%	5%
Julius Baer International Equity	BJBIX	Intl	51.30	6.66	5%	5%	5%	5%
Selected American	SLASX	LCV	43.35	3.50	5%	5%	5%	5%
Oakmark I	OAKMX	LCV	32.53	6.22	5%	5%	5%	5%
ABN AMRO Mid Cap N	CHTTX	MCC	67.11	13.66	5%	5%	5%	5%
Yacktman	YACKX	MCV	41.40	21.02	5%	5%	5%	5%
Royce Low-Priced Stock	RYLPX	SCC	69.47	17.37	5%	5%	5%	5%
RS Partners	RSPFX	SCC	75.98	25.93	5%	5%	5%	5%
Babson Enterprise	BABEX	SCV	62.62	24.20	0%	5%	5%	5%
Royce Special Equity	RYSEX	SCV	40.45	23.24	5%	5%	5%	5%
Your Brokerage Money Mkt		MM	n/a	n/a	20%	10%	10%	10%
or Tax Exempt Money Mkt		TEMM
					100%	100%	100%	100%

Portfolio Changes For 2nd Quarter 2004
After a rather uneventful quarter we don’t have any changes in our model porfolios. In fact, all of our portfolio choices are the same as they were at the beginning of the year.
Asset Allocations For 2nd Quarter 2004
While we haven’t changed our asset allocations for the new quarter, you still may want to consider some changes to your portfolio. You may recall that we added several funds to our model portfolios last quarter to provide additional diversification. Now may be a good time to rebalance your portfolio. If you have all of your small cap allocation in only one mutual fund, consider selling some of your position to open a new position in a second small cap mutual fund, or adding any new small cap money to a second small cap mutual fund.

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