By Compiled by Tara Kalwarski and Jonah Freedman


SAVINGS NOTES AND SOURCES: CD and money-market account data as of Aug. 17 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of Aug. 16 and 17, respectively, from Money Fund Report (; all have a minimum investment of $10,000 or less and assets of $25 million or more. Short-term bond fund data as of July 31 from Lipper; all are medium- and high-quality funds with average maturities of three years or less. [1] Manager absorbed all or some operating expenses. [2] Maximum 3% front-end load on investment under $250,000. [3] Maximum 2% front-end load on investment under $250,000.