(MONEY Magazine) – FEATURES 6 Make More Money in Mutual Funds With today's uncertain stock market, it's not as easy as it used to be. Still, for financial goals that are five or more years away, you can't afford not to invest in stock funds. We explain how to succeed, whatever curves the markets throw you. by Jerry Edgerton

9 John Neff believes the best investments are the ones that Wall Street hates

10 John Templeton sees top investing values in economically developed countries

13 Peter Lynch recommends out-of-favor funds, like those that own blue-chip growth stocks

17 How I Multiplied Investors' Wealth Vanguard Windsor's renowned manager reveals the ve rules behind his phenomenal success. by John Neff

20 The Next Great Funds These five unheralded portfolios resemble Fidelity Magellan, Windsor, Templeton Growth and other top performers right before they boomed. by Carla A. Fried

30 Building the Right Portfolio for You Forget about the market's dips and dives. The real risk is that you'll fall short of what you need. Here's how to make sure you reach your goals. by Penelope Wang

-- Profiles: We recommend portfolios to help investors pay college bills (page 32), retire early (page 34), afford a comfortable life in later years (page 37) and buy a dream house (page 38).

40 80 Great Funds to Buy Now These terrific funds -- all consistent, low-risk performers -- could add punch to any portfolio. by Prashanta Misra

44 Today's Safest Way to Invest To cut your risk in this skittish market, use one of these moneymaking strategies. by Shelly Branch

46 Investing in the Best of Families Powerhouse Fidelity tops our exclusive ranking of the 25 biggest full-service fund families and the two main discount brokerage no-load programs. by Ellen Stark

48 -- Table: We compare the families on performance, service and expenses

116 How I Learned to Stop Worrying The writer used to think her heart belonged to individual stocks: Give me volatility or give me death, she would tell friends. But she's a lot smarter now. by Carol Wallace

55 THE MONEY RANKINGS A Guide to 3,257 Mutual Funds See how your holdings stack up against other funds in this comprehensive listing. It reports on how well 3,257 stock and bond funds -- virtually all those in business for at least a year -- performed over the past one, three and five years. We also analyze every major fund's style, risk level and annual expenses

57 / How to read our tables. An explanation of the terms and abbreviations you need to know

58 The top performers in six fund categories: growth, total return, international stock, specialty, taxable bonds and tax-exempt bonds

62 Vital statistics on the 1,958 major funds available in most states

102 Key facts about 1,299 extra funds, including single-state muni portfolios

Cover photographs by Gregory Heisler

PHOTOGRAPHS BY DANIEL PEEBLES (LEFT); JOHN HARDING (TOP); JEREMY WOLFF (OPPOSITE)/ ILLUSTRATIONS BY NIGEL HOLMES (LEFT); STEVE HART (RIGHT)

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