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TBILL - see TREASURY BILL

TBOND - see TREASURY BOND

TICKER - The one to five character identifier for every stock or mutual fund.

TICKER SYMBOL- A combination of letters that identifies a stock, fund or index.

TOTAL NET ASSETS - The total amount invested in a fund, usually expressed in millions of dollars.

TOTAL RETURN - The change in NAV for a stated time period, adjusted for dividends and other distributions. It shows the fund's relative performance, compared to other types of investments and other funds with the same investment objective.

TOUTING - When someone is paid by a company to promote that company's stock. Touting is legal as long as all income is reported.

TREASURIES - Securities sold by the U.S. government to raise money for the Treasury. They come in three denominations: A bill is usually due three months to one year after it is issued; a note is due one to 10 years after it is issued; and a bond matures 10-30 years after it is issued. (For more information go to:(www.ustreas.gov)

TREASURY BILL (TBILL) - A certificate representing a loan to the federal government that matures in three, six or 12 months.

TREASURY BOND (TBOND) - A certificate representing a loan to the federal government that matures in seven years or more.

TREASURY NOTE - A certificate representing a loan to the federal government that matures in one to 10 years or more.

12b-1 FEE - The fee some mutual funds charge to pay for distribution costs, such as advertising and dealer compensation.