Top No Load Mutual Funds - Insightful Investing Newsletter - April 2005


	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 2005.

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	0.58	3.52	25%	20%	20%	15%
PIMCO Total Return Mortgage D		PTMDX	IGB	2.68	5.37	10%	10%	10%	10%
Westcore Flexible Income		WTLTX	HYB	4.53	10.16	10%	10%	10%	10%
Third Avenue Real Estate Value		TAREX	RE	19.81	20.56	10%	10%	10%	10%
Alpha Hedged Strategies		ALPHX	Hdg	13.44	-	0%	5%	5%	10%
Julius Baer International Equity		BJBIX	Intl	16.54	16.22	5%	5%	5%	5%
Selected American Shares		SLASX	LCC	7.90	7.08	5%	5%	5%	5%
Yacktman		YACKX	LCV	8.00	14.99	5%	5%	5%	5%
Artisan Mid Cap Value		ARTQX	MCV	23.56	18.13	5%	5%	5%	5%
Royce Premier		RYPRX	SCC	10.88	13.02	5%	5%	5%	5%
Neuberger Berman Fasciano Inv		NBFSX	SCG	3.71	4.69	5%	5%	5%	5%
Third Avenue Small-Cap Value		TASCX	SCV	16.33	12.93	0%	5%	5%	5%
Your Brokerage Money Mkt or Tax Exempt Money Mkt			MM TEMM	n/a	n/a	15%	10%	10%	10%
						100%	100%	100%	100%

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	0.31	3.86	20%	20%	15%	15%
Spartan Short-Interm Muni	FSTFX	STMB	0.14	3.30
Mortgage Securities	FMSFX	IGB	2.23	5.17	5%	5%	5%	5%
Capital & Income	FAGIX	HYB	10.18	15.75	5%	5%	10%	10%
Strategic Income	FSICX	MSB	6.33	11.74	10%	10%	10%	10%
Real Estate Investments	FRESX	RE	13.00	18.58	10%	10%	10%	10%
International Discovery	FIGRX	Intl	12.91	13.54	10%	10%	10%	10%
Contrafund	FCNTX	LCB	11.28	9.07	10%	10%	10%	10%
Value	FDVLX	MCV	16.34	11.06	5%	10%	10%	5%
Small Cap Independence	FDSCX	SCC	8.77	5.90	10%	10%	10%	15%
Cash Reserves or	FDRXX	MM	1.53	1.23	15%	10%	10%	10%
Spartan Muni Money	FIMXX	TEMM	1.30	1.10
					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	0.19	3.61	15%	20%	15%	15%
Ltd-Term Tax-Ex	VMLTX	STMB	0.06	3.18
GNMA	VFIIX	IGB	2.60	5.07	10%	10%	10%	10%
High-Yield Corporate	VWEHX	HYB	4.59	7.88	10%	10%	10%	10%
REIT Index	VGSIX	RE	8.43	16.42	10%	10%	10%	10%
International Value	VTRIX	Intl	15.95	12.42	10%	10%	10%	10%
Windsor II	VWNFX	LCV	13.31	7.26	10%	10%	10%	10%
Strategic Equity	VSEQX	MCC	11.62	12.24	10%	10%	10%	10%
Explorer	VEXPX	SCG	4.91	5.76	10%	10%	15%	15%
Prime Money Mkt or	VMMXX	MM	1.60	1.27	15%	10%	10%	10%
Tax Exempt Money Mkt	VMSXX	TEMM	1.47	1.21
					100%	100%	100%	100%

Portfolio Changes For 2nd Quarter 2005
While we are not recommending any changes to our portfolios for the start of this quarter, remember that we could do that in the middle of the quarter. Be sure to sign up for our free newsletter or check back at least monthly to see any changes in Asset Allocation, fund additions, or fund deletions. One thing we are looking at for our next report is to add some additional sector oriented or specialty funds to our recommended list besides Real Estate and Technology (which we do not recommend at this time).
Asset Allocations For 2nd Quarter 2005
Just a reminder that we recommended you REDUCE YOUR EQUITY EXPOSURE at the beginning of the year. While we have not changed that stance, that could change as the market is beginning to look a little oversold. If our outlook changes we will issue a mid quarter update. For now, ’DON’T put any New Money in Stock Mutual Funds until the outlook for the market and the technical indicators get a little better.

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