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                        CONSENT OF INDEPENDENT AUDITORS


To the Shareholders and Board of Trustees of
American Independence Funds Trust:

We consent to the use of our report dated December 21, 1999 for Money Market
Fund (series of American Independence Funds Trust) incorporated by reference
herein.

We also consent to the reference to our Firm under the headings "Financial
Highlights" in the prospectus and "Independent Auditors" and "Financial
Statements" in the Statement of Additional Information.

                                                       KPMG LLP

Columbus, Ohio
June 30, 2000



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