<PAGE> PAGE 1
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 21
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 26
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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072 B000500 39926
072 C000500 0
072 D000500 0
072 E000500 0
072 F000500 2550
072 G000500 0
072 H000500 0
072 I000500 0
072 J000500 45
072 K000500 11
072 L000500 19
072 M000500 9
072 N000500 26
072 O000500 8
072 P000500 0
072 Q000500 0
072 R000500 9
072 S000500 1
072 T000500 0
072 U000500 0
072 V000500 24
072 W000500 6
072 X000500 2708
072 Y000500 0
072 Z000500 37218
072AA000500 0
072BB000500 5497
072CC010500 37855
072CC020500 0
072DD010500 36115
072DD020500 0
072EE000500 0
073 A010500 0.8100
073 A020500 0.0000
073 B000500 0.0000
073 C000500 0.0000
074 A000500 188
074 B000500 0
074 C000500 52247
074 D000500 480766
074 E000500 0
074 F000500 0
074 G000500 0
074 H000500 0
074 I000500 0
074 J000500 8767
<PAGE> PAGE 37
074 K000500 0
074 L000500 5817
074 M000500 0
074 N000500 547785
074 O000500 5264
074 P000500 223
074 Q000500 0
074 R010500 0
074 R020500 0
074 R030500 0
074 R040500 17
074 S000500 0
074 T000500 542281
074 U010500 47057
074 U020500 0
074 V010500 11.52
074 V020500 0.00
074 W000500 0.0000
074 X000500 10
074 Y000500 19756
075 A000500 0
075 B000500 504704
076 000500 0.00
024 000600 N
025 A000601 DELETE
025 D000601 0
025 A000602 DELETE
025 D000602 0
025 A000603 DELETE
025 D000603 0
025 D000604 0
025 D000605 0
025 D000606 0
025 D000607 0
025 D000608 0
028 A010600 13964
028 A020600 2827
028 A030600 0
028 A040600 13109
028 B010600 30501
028 B020600 0
028 B030600 0
028 B040600 22816
028 C010600 15981
028 C020600 0
028 C030600 0
028 C040600 16810
028 D010600 21114
028 D020600 2842
028 D030600 0
028 D040600 28250
<PAGE> PAGE 38
028 E010600 26164
028 E020600 0
028 E030600 0
028 E040600 6432
028 F010600 14868
028 F020600 0
028 F030600 0
028 F040600 30445
028 G010600 122592
028 G020600 5669
028 G030600 0
028 G040600 117862
028 H000600 0
045 000600 Y
046 000600 N
047 000600 Y
048 000600 0.000
048 A010600 100000
048 A020600 0.500
048 B010600 300000
048 B020600 0.420
048 C010600 0
048 C020600 0.000
048 D010600 0
048 D020600 0.000
048 E010600 0
048 E020600 0.000
048 F010600 0
048 F020600 0.000
048 G010600 0
048 G020600 0.000
048 H010600 0
048 H020600 0.000
048 I010600 0
048 I020600 0.000
048 J010600 0
048 J020600 0.000
048 K010600 400000
048 K020600 0.380
062 A000600 Y
062 B000600 0.0
062 C000600 11.2
062 D000600 0.0
062 E000600 0.0
062 F000600 0.0
062 G000600 0.0
062 H000600 0.0
062 I000600 94.1
062 J000600 0.0
062 K000600 0.0
062 L000600 0.0
<PAGE> PAGE 39
062 M000600 0.0
062 N000600 0.0
062 O000600 0.0
062 P000600 0.0
062 Q000600 0.0
062 R000600 0.0
063 A000600 21
063 B000600 0.0
064 A000600 N
064 B000600 N
066 A000600 N
067 000600 N
068 A000600 N
068 B000600 N
069 000600 N
070 A010600 Y
070 A020600 N
070 B010600 N
070 B020600 N
070 C010600 N
070 C020600 N
070 D010600 N
070 D020600 N
070 E010600 N
070 E020600 N
070 F010600 N
070 F020600 N
070 G010600 N
070 G020600 N
070 H010600 N
070 H020600 N
070 I010600 N
070 I020600 N
070 J010600 N
070 J020600 N
070 K010600 N
070 K020600 N
070 L010600 N
070 L020600 N
070 M010600 N
070 M020600 N
070 N010600 N
070 N020600 N
070 O010600 Y
070 O020600 N
070 P010600 Y
070 P020600 N
070 Q010600 N
070 Q020600 N
070 R010600 N
070 R020600 N
<PAGE> PAGE 40
071 A000600 0
071 B000600 0
071 C000600 0
071 D000600 0
072 A000600 12
072 B000600 11661
072 C000600 0
072 D000600 0
072 E000600 0
072 F000600 907
072 G000600 0
072 H000600 0
072 I000600 0
072 J000600 17
072 K000600 4
072 L000600 8
072 M000600 4
072 N000600 11
072 O000600 4
072 P000600 0
072 Q000600 0
072 R000600 6
072 S000600 0
072 T000600 0
072 U000600 0
072 V000600 10
072 W000600 3
072 X000600 974
072 Y000600 0
072 Z000600 10687
072AA000600 0
072BB000600 0
072CC010600 0
072CC020600 0
072DD010600 10344
072DD020600 0
072EE000600 0
073 A010600 0.5900
073 A020600 0.0000
073 B000600 0.0000
073 C000600 0.0000
074 A000600 25
074 B000600 0
074 C000600 203315
074 D000600 0
074 E000600 0
074 F000600 0
074 G000600 0
074 H000600 0
074 I000600 0
074 J000600 0
<PAGE> PAGE 41
074 K000600 0
074 L000600 135
074 M000600 0
074 N000600 203475
074 O000600 0
074 P000600 80
074 Q000600 0
074 R010600 0
074 R020600 0
074 R030600 0
074 R040600 10278
074 S000600 0
074 T000600 193117
074 U010600 17385
074 U020600 0
074 V010600 11.11
074 V020600 0.00
074 W000600 0.0000
074 X000600 9
074 Y000600 0
075 A000600 0
075 B000600 198957
076 000600 0.00
024 000700 N
025 A000701 DELETE
025 D000701 0
025 D000702 0
025 D000703 0
025 D000704 0
025 D000705 0
025 D000706 0
025 D000707 0
025 D000708 0
028 A010700 17488
028 A020700 16011
028 A030700 0
028 A040700 11924
028 B010700 32972
028 B020700 0
028 B030700 0
028 B040700 4324
028 C010700 14956
028 C020700 0
028 C030700 0
028 C040700 4942
028 D010700 16759
028 D020700 9508
028 D030700 0
028 D040700 10291
028 E010700 19267
028 E020700 0
<PAGE> PAGE 42
028 E030700 0
028 E040700 12660
028 F010700 37705
028 F020700 0
028 F030700 0
028 F040700 3129
028 G010700 139147
028 G020700 25519
028 G030700 0
028 G040700 47270
028 H000700 0
045 000700 Y
046 000700 N
047 000700 Y
048 000700 0.000
048 A010700 60000
048 A020700 0.900
048 B010700 540000
048 B020700 0.780
048 C010700 600000
048 C020700 0.600
048 D010700 800000
048 D020700 0.480
048 E010700 0
048 E020700 0.000
048 F010700 0
048 F020700 0.000
048 G010700 0
048 G020700 0.000
048 H010700 0
048 H020700 0.000
048 I010700 0
048 I020700 0.000
048 J010700 0
048 J020700 0.000
048 K010700 2000000
048 K020700 0.465
062 A000700 N
062 B000700 0.0
062 C000700 0.0
062 D000700 0.0
062 E000700 0.0
062 F000700 0.0
062 G000700 0.0
062 H000700 0.0
062 I000700 0.0
062 J000700 0.0
062 K000700 0.0
062 L000700 0.0
062 M000700 0.0
062 N000700 0.0
<PAGE> PAGE 43
062 O000700 0.0
062 P000700 0.0
062 Q000700 0.0
062 R000700 0.0
066 A000700 Y
066 B000700 N
066 C000700 N
066 D000700 Y
066 E000700 N
066 F000700 N
066 G000700 N
067 000700 N
068 A000700 N
068 B000700 Y
069 000700 N
070 A010700 Y
070 A020700 N
070 B010700 N
070 B020700 N
070 C010700 N
070 C020700 N
070 D010700 N
070 D020700 N
070 E010700 N
070 E020700 N
070 F010700 N
070 F020700 N
070 G010700 N
070 G020700 N
070 H010700 N
070 H020700 N
070 I010700 N
070 I020700 N
070 J010700 Y
070 J020700 Y
070 K010700 N
070 K020700 N
070 L010700 Y
070 L020700 Y
070 M010700 Y
070 M020700 Y
070 N010700 Y
070 N020700 N
070 O010700 Y
070 O020700 N
070 P010700 Y
070 P020700 N
070 Q010700 N
070 Q020700 N
070 R010700 N
070 R020700 N
<PAGE> PAGE 44
071 A000700 375683
071 B000700 294525
071 C000700 1194416
071 D000700 25
072 A000700 12
072 B000700 20348
072 C000700 31190
072 D000700 0
072 E000700 0
072 F000700 9882
072 G000700 0
072 H000700 0
072 I000700 0
072 J000700 1170
072 K000700 35
072 L000700 56
072 M000700 26
072 N000700 79
072 O000700 24
072 P000700 0
072 Q000700 0
072 R000700 19
072 S000700 3
072 T000700 0
072 U000700 0
072 V000700 71
072 W000700 33
072 X000700 11398
072 Y000700 0
072 Y000700 40140
072 Y000700 34945
072 Y000700 0
072 Z000700 83096
072 Z000700 0
072 Z000700 37537
072 Z000700 0
072AA000700 44136
072AA000700 0.3300
072AA000700 0.0000
072AA000700 0.4100
072BB000700 0.0000
072BB000700 0
072BB000700 0
072BB000700 0
072CC010700 24321
072CC010700 0
072CC010700 0
072CC010700 0
072CC020700 0
072CC020700 0
072CC020700 0
<PAGE> PAGE 45
072CC020700 0
072DD010700 12017
072DD010700 0
072DD010700 0
072DD010700 0
072DD020700 0
072DD020700 0
072DD020700 0
072DD020700 0
072EE000700 44137
072EE000700 0
072EE000700 0
072EE000700 0
073 A010700 0.1100
073 A010700 0.0000
073 A010700 0.0000
073 A010700 0.0000
073 A020700 0.0000
073 A020700 0.0000
073 A020700 0.0000
073 A020700 0.0000
073 B000700 0.4100
073 B000700 0.0000
073 B000700 0.0000
073 B000700 0.0000
073 C000700 0.0000
073 C000700 0.0000
073 C000700 0.0000
073 C000700 0.0000
074 A000700 103
074 B000700 0
074 C000700 358512
074 D000700 7783
074 E000700 28333
074 F000700 1308908
074 G000700 0
074 H000700 0
074 I000700 0
074 J000700 2522
074 K000700 0
074 L000700 14353
074 M000700 0
074 N000700 1720514
074 O000700 15957
074 P000700 871
074 Q000700 0
074 R010700 0
074 R020700 0
074 R030700 0
074 R040700 215
074 S000700 0
<PAGE> PAGE 46
074 T000700 1703471
074 U010700 122610
074 U020700 0
074 V010700 13.89
074 V020700 0.00
074 W000700 0.0000
074 X000700 8
074 Y000700 0
075 A000700 0
075 B000700 1520066
076 000700 0.00
SIGNATURE CHAD NORTON
TITLE SECRETARY
January 5, 1996
To the Board of Trustees of
American Variable Insurance Series
In planning and performing our audit of the financial statements of
American Variable Insurance Series (the "Series") for the year
ended November 30, 1995, we considered its internal control
structure, including procedures for safeguarding securities, in
order to determine our auditing procedures for the purposes of
expressing our opinion on the financial statements and to comply
with the requirements of Form N-SAR, and not to provide assurance
on the internal control structure.
The management of the Series is responsible for establishing and
maintaining an internal control structure. In fulfilling this
responsibility, estimates and judgments by management are required
to assess the expected benefits and related costs of internal
control structure policies and procedures. Two of the objectives
of an internal control structure are to provide management with
reasonable, but not absolute, assurance that assets are
appropriately safeguarded against loss from unauthorized use or
disposition and that transactions are executed in accordance with
management's authorization and recorded properly to permit
preparation of financial statements in conformity with generally
accepted accounting principles.
Because of inherent limitations in any internal control structure,
errors or irregularities may occur and not be detected. Also,
projection of any evaluation of the structure to future periods is
subject to the risk that it may become inadequate because of
changes in conditions or that the effectiveness of the design and
operation may deteriorate. Our consideration of the internal
control structure would not necessarily disclose all matters in the
internal control structure that might be material weaknesses under
standards established by the American Institute of Certified
Public Accountants. A material weakness is a condition in which
the design or operation of the specific internal control structure
elements does not reduce to a relatively low level the risk that
errors or irregularities in amounts that would be material in
relation to the financial statements being audited may occur and
not be detected within a timely period by employees in the normal
course of performing their assigned functions. However, we noted
no matters involving the internal control structure, including
procedures for safeguarding securities, that we consider to be
material weaknesses as defined above as of November 30, 1995.
This report is intended solely for the information and use of
management and the Securities and Exchange Commission.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 26
<NAME> THE GROWTH-INCOME FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 3,092,802
<INVESTMENTS-AT-VALUE> 3,923,652
<RECEIVABLES> 31,842
<ASSETS-OTHER> 199
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 3,955,693
<PAYABLE-FOR-SECURITIES> 1,037
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,387
<TOTAL-LIABILITIES> 2,424
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,938,597
<SHARES-COMMON-STOCK> 125,619,032
<SHARES-COMMON-PRIOR> 108,327,575
<ACCUMULATED-NII-CURRENT> 24,939
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 158,883
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 830,850
<NET-ASSETS> 3,953,269
<DIVIDEND-INCOME> 76,846
<INTEREST-INCOME> 26,502
<OTHER-INCOME> 0
<EXPENSES-NET> 14,552
<NET-INVESTMENT-INCOME> 88,796
<REALIZED-GAINS-CURRENT> 160,279
<APPREC-INCREASE-CURRENT> 691,459
<NET-CHANGE-FROM-OPS> 940,534
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 85,055
<DISTRIBUTIONS-OF-GAINS> 112,521
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 13,715,393
<NUMBER-OF-SHARES-REDEEMED> 4,174,136
<SHARES-REINVESTED> 7,750,200
<NET-CHANGE-IN-ASSETS> 1,212,903
<ACCUMULATED-NII-PRIOR> 21,198
<ACCUMULATED-GAINS-PRIOR> 111,125
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 13,593
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 14,552
<AVERAGE-NET-ASSETS> 3,291,107
<PER-SHARE-NAV-BEGIN> 25.30
<PER-SHARE-NII> .73
<PER-SHARE-GAIN-APPREC> 7.20
<PER-SHARE-DIVIDEND> .73
<PER-SHARE-DISTRIBUTIONS> 1.03
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 31.47
<EXPENSE-RATIO> .004
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 27
<NAME> THE GROWTH FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 2,348,914
<INVESTMENTS-AT-VALUE> 3,151,350
<RECEIVABLES> 17,808
<ASSETS-OTHER> 147
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 3,169,305
<PAYABLE-FOR-SECURITIES> 13,628
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,236
<TOTAL-LIABILITIES> 14,864
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,085,546
<SHARES-COMMON-STOCK> 75,438,942
<SHARES-COMMON-PRIOR> 63,475,904
<ACCUMULATED-NII-CURRENT> 8,057
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 258,402
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 802,436
<NET-ASSETS> 3,154,441
<DIVIDEND-INCOME> 14,993
<INTEREST-INCOME> 20,613
<OTHER-INCOME> 0
<EXPENSES-NET> 11,971
<NET-INVESTMENT-INCOME> 23,635
<REALIZED-GAINS-CURRENT> 259,039
<APPREC-INCREASE-CURRENT> 480,224
<NET-CHANGE-FROM-OPS> 762,898
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 20,133
<DISTRIBUTIONS-OF-GAINS> 51,801
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 14,348,086
<NUMBER-OF-SHARES-REDEEMED> 4,610,567
<SHARES-REINVESTED> 2,225,519
<NET-CHANGE-IN-ASSETS> 1,127,100
<ACCUMULATED-NII-PRIOR> 4,555
<ACCUMULATED-GAINS-PRIOR> 51,164
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 11,222
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 11,971
<AVERAGE-NET-ASSETS> 2,572,772
<PER-SHARE-NAV-BEGIN> 31.94
<PER-SHARE-NII> .33
<PER-SHARE-GAIN-APPREC> 10.63
<PER-SHARE-DIVIDEND> .29
<PER-SHARE-DISTRIBUTIONS> .80
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 41.81
<EXPENSE-RATIO> .005
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 28
<NAME> THE HIGH-YIELD BOND FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 528,075
<INVESTMENTS-AT-VALUE> 532,674
<RECEIVABLES> 9,984
<ASSETS-OTHER> 180
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 542,838
<PAYABLE-FOR-SECURITIES> 8,349
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 284
<TOTAL-LIABILITIES> 8,633
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 528,306
<SHARES-COMMON-STOCK> 38,177,115
<SHARES-COMMON-PRIOR> 30,260,277
<ACCUMULATED-NII-CURRENT> 12,657
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (11,357)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 4,599
<NET-ASSETS> 534,205
<DIVIDEND-INCOME> 1
<INTEREST-INCOME> 49,461
<OTHER-INCOME> 0
<EXPENSES-NET> 2,496
<NET-INVESTMENT-INCOME> 46,966
<REALIZED-GAINS-CURRENT> (11,260)
<APPREC-INCREASE-CURRENT> 47,164
<NET-CHANGE-FROM-OPS> 82,870
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 44,378
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 7,379,725
<NUMBER-OF-SHARES-REDEEMED> 2,819,500
<SHARES-REINVESTED> 3,356,613
<NET-CHANGE-IN-ASSETS> 144,280
<ACCUMULATED-NII-PRIOR> 10,069
<ACCUMULATED-GAINS-PRIOR> (97)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2,350
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,496
<AVERAGE-NET-ASSETS> 464,300
<PER-SHARE-NAV-BEGIN> 12.89
<PER-SHARE-NII> 1.32
<PER-SHARE-GAIN-APPREC> 1.10
<PER-SHARE-DIVIDEND> 1.32
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.99
<EXPENSE-RATIO> .006
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 29
<NAME> THE CASH MANAGEMENT FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 203,315
<INVESTMENTS-AT-VALUE> 203,315
<RECEIVABLES> 135
<ASSETS-OTHER> 25
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 203,475
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 10,358
<TOTAL-LIABILITIES> 10,358
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 190,631
<SHARES-COMMON-STOCK> 17,384,644
<SHARES-COMMON-PRIOR> 19,895,148
<ACCUMULATED-NII-CURRENT> 2,486
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 193,117
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,661
<OTHER-INCOME> 0
<EXPENSES-NET> 974
<NET-INVESTMENT-INCOME> 10,687
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 10,687
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 10,344
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 20,995,679
<NUMBER-OF-SHARES-REDEEMED> 24,444,114
<SHARES-REINVESTED> 937,931
<NET-CHANGE-IN-ASSETS> (27,614)
<ACCUMULATED-NII-PRIOR> 2,143
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 907
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<PER-SHARE-NAV-BEGIN> 11.09
<PER-SHARE-NII> .63
<PER-SHARE-GAIN-APPREC> (.02)
<PER-SHARE-DIVIDEND> .59
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<PER-SHARE-NAV-END> 11.11
<EXPENSE-RATIO> .005
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 30
<NAME> THE U.S. GOVERNMENT/AAA-RATED SECURITIES FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 520,482
<INVESTMENTS-AT-VALUE> 533,013
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<SHARES-COMMON-STOCK> 47,057,482
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<ACCUMULATED-NET-GAINS> (8,139)
<OVERDISTRIBUTION-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 6,989,389
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<SHARES-REINVESTED> 3,279,414
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<ACCUMULATED-NII-PRIOR> 8,556
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<OVERDIST-NET-GAINS-PRIOR> 0
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<GROSS-EXPENSE> 2,708
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<PER-SHARE-NAV-BEGIN> 10.80
<PER-SHARE-NII> .82
<PER-SHARE-GAIN-APPREC> .71
<PER-SHARE-DIVIDEND> .81
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 70
<NAME> THE ASSET ALLOCATION FUND
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<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 743,774
<INVESTMENTS-AT-VALUE> 865,939
<RECEIVABLES> 6,716
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<PAID-IN-CAPITAL-COMMON> 708,602
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<SHARES-COMMON-PRIOR> 56,639,797
<ACCUMULATED-NII-CURRENT> 8,506
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 30,419
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 122,165
<NET-ASSETS> 869,692
<DIVIDEND-INCOME> 15,947
<INTEREST-INCOME> 18,376
<OTHER-INCOME> 0
<EXPENSES-NET> 3,843
<NET-INVESTMENT-INCOME> 30,480
<REALIZED-GAINS-CURRENT> 30,610
<APPREC-INCREASE-CURRENT> 129,814
<NET-CHANGE-FROM-OPS> 190,904
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<DISTRIBUTIONS-OF-GAINS> 9,640
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 6,084,975
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<SHARES-REINVESTED> 3,296,555
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<ACCUMULATED-GAINS-PRIOR> 9,449
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
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<GROSS-EXPENSE> 3,843
<AVERAGE-NET-ASSETS> 741,488
<PER-SHARE-NAV-BEGIN> 11.25
<PER-SHARE-NII> .50
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<PER-SHARE-DIVIDEND> .50
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<PER-SHARE-NAV-END> 13.77
<EXPENSE-RATIO> .005
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 71
<NAME> THE INTERNATIONAL FUND
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<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1995
<PERIOD-START> DEC-01-1994
<PERIOD-END> NOV-30-1995
<INVESTMENTS-AT-COST> 1,509,190
<INVESTMENTS-AT-VALUE> 1,703,536
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<SHARES-COMMON-PRIOR> 105,875,564
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<ACCUMULATED-NET-GAINS> 34,659
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<NET-ASSETS> 1,703,471
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<INTEREST-INCOME> 20,348
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<EXPENSES-NET> 11,398
<NET-INVESTMENT-INCOME> 40,140
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<NET-CHANGE-FROM-OPS> 158,181
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<DISTRIBUTIONS-OF-GAINS> 44,136
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 19,173,422
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<SHARES-REINVESTED> 6,335,172
<NET-CHANGE-IN-ASSETS> 298,585
<ACCUMULATED-NII-PRIOR> 7,823
<ACCUMULATED-GAINS-PRIOR> 43,362
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 9,882
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 11,398
<AVERAGE-NET-ASSETS> 1,520,066
<PER-SHARE-NAV-BEGIN> 13.27
<PER-SHARE-NII> .34
<PER-SHARE-GAIN-APPREC> 1.02
<PER-SHARE-DIVIDEND> .33
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<PER-SHARE-NAV-END> 13.89
<EXPENSE-RATIO> .008
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</TABLE>
