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Subject:  Re: Junk Bond Funds Date:  11/1/2000  10:56 PM
Author:  vwccjws Number:  1139 of 36468

TIAA/CREF is a investment company that formerly had participants that were in research and education. However in 1997 the "lost" their no-profit status and their products are available to everyone. I have been with them for years and there funds are excellent. The reason I am replying as I noted that a 2% expense ratio seems to be acceptable to you. TIAA/CREF has a "high yield" bond fund however, their average expense ratio is 0.31%. Returns come an go, but expenses never leave. A 1.7% difference will make a considerable difference over time.

Good Luck

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