ACHIEVEMENT FUNDS TRUST
NSAR-A, 1999-09-29
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<PAGE>      PAGE  1
000 A000000 07/31/1999
000 C000000 0000844209
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 6.1
000 J000000 U
001 A000000 THE ACHIEVEMENT FUNDS TRUST
001 B000000 811-5712
001 C000000 6109896412
002 A000000 61 SOUTH MAIN STREET
002 B000000 SALT LAKE CITY
002 C000000 UT
002 D010000 84111
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000  6
007 C010100  1
007 C010200  2
007 C010300  3
007 C010400  4
007 C020400 EQUITY FUND
007 C030400 N
007 C010500  5
007 C020500 BALANCED FUND
007 C030500 N
007 C010600  6
007 C020600 INTERMEDIATE TERM BOND FUND
007 C030600 N
007 C010700  7
007 C020700 SHORT TERM BOND FUND
007 C030700 N
007 C010800  8
007 C010900  9
007 C020900 IDAHO MUNICIPAL BOND FUND
007 C030900 N
007 C011000 10
007 C021000 MUNICIPAL BOND FUND
007 C031000 N
020 A000001 BANC OF AMERICA
020 B000001 94-1701676
020 C000001      9
020 A000002 FACTSET DATA SYSTEMS
020 C000002      3
020 A000003 JEFFRIES AND COMPANY
020 B000003 95-2622900
<PAGE>      PAGE  2
020 C000003      3
020 A000004 BEAR STEARNS
020 B000004 13-2975144
020 C000004      3
020 A000005 GORDON HASKETT
020 C000005      2
020 A000006 ISI GROUP
020 C000006      2
020 A000007 MORGAN STANLEY
020 B000007 13-2655998
020 C000007      2
020 A000008 LEWCO SECURITIES
020 C000008      1
020 A000009 LEWCO SECURITIES CORPORATION
020 C000009      1
020 A000010 BERSTEIN SANFORD AND CO.
020 B000010 13-2625874
020 C000010      1
021  000000       26
022 A000001 REGULATED INVESTMENT COMPANY
022 C000001     20164
022 D000001     34845
022 A000002 UNKNOWN
022 C000002     10540
022 D000002      1408
022 A000003 BEAR STEARNS
022 B000003 13-2975144
022 C000003       958
022 D000003      4682
022 A000004 GX CLARKE
022 C000004      2869
022 D000004      2507
022 A000005 MERRILL LYNCH GOVERNMENT SECURITIES
022 B000005 13-5674085
022 C000005      3023
022 D000005      2208
022 A000006 FIRST TENNESSEE BOND
022 C000006      4010
022 D000006         0
022 A000007 LEHMAN BROTHERS, INC.
022 B000007 13-2927667
022 C000007      1555
022 D000007      1742
022 A000008 SPEAR LEEDS CAPITAL MARKETS
022 B000008 13-5515160
022 C000008      2981
022 D000008         0
022 A000009 SOUNDVIEW FINANCIAL GROUP
022 C000009      1204
022 D000009      1729
022 A000010 BANK OF AMERICA SECURITIES
<PAGE>      PAGE  3
022 B000010 94-1701676
022 C000010         0
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<PAGE>      PAGE  4
062 E000400   0.0
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<PAGE>      PAGE  5
073 A010400   0.0000
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008 A000501 FIRST SECURITY INVESTMENT MANAGEMENT
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<PAGE>      PAGE  6
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<PAGE>      PAGE  7
066 A000500 Y
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070 D010500 N
070 D020500 N
070 E010500 N
070 E020500 N
070 F010500 N
070 F020500 N
070 G010500 N
070 G020500 N
070 H010500 N
070 H020500 N
070 I010500 N
070 I020500 N
070 J010500 N
070 J020500 N
070 K010500 Y
070 K020500 Y
070 L010500 N
070 L020500 N
070 M010500 N
070 M020500 N
070 N010500 N
070 N020500 N
070 O010500 Y
070 O020500 N
070 P010500 N
070 P020500 N
070 Q010500 N
070 Q020500 N
070 R010500 N
070 R020500 N
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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  16
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<PAGE>      PAGE  17
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<PAGE>      PAGE  18
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062 R001000   1.9
063 A001000   0
063 B001000 17.9
064 A001000 Y
<PAGE>      PAGE  19
064 B001000 N
071 A001000     12820
071 B001000      7339
071 C001000     75939
071 D001000    9
072 A001000  6
072 B001000     2157
072 C001000        0
072 D001000        0
072 E001000        0
072 F001000      232
072 G001000       77
072 H001000        0
072 I001000       20
072 J001000        5
072 K001000        0
072 L001000        5
072 M001000        3
072 N001000        7
072 O001000        0
072 P001000        0
072 Q001000        0
072 R001000        4
072 S001000        3
072 T001000       20
072 U001000        1
072 V001000        0
072 W001000        3
072 X001000      380
072 Y001000       69
072 Z001000     1846
072AA001000        0
072BB001000       73
072CC011000        0
072CC021000     2840
072DD011000     1638
072DD021000      218
072EE001000        0
073 A011000   0.2400
073 A021000   0.4600
073 B001000   0.0000
073 C001000   0.0000
074 A001000      451
074 B001000        0
074 C001000        0
074 D001000    75200
074 E001000        0
074 F001000        0
074 G001000        0
074 H001000        0
074 I001000     1521
<PAGE>      PAGE  20
074 J001000        0
074 K001000        0
074 L001000        0
074 M001000      541
074 N001000    77713
074 O001000        0
074 P001000        0
074 Q001000        0
074 R011000        0
074 R021000        0
074 R031000        0
074 R041000        0
074 S001000        0
074 T001000    77713
074 U011000     6740
074 U021000     1048
074 V011000     9.92
074 V021000     0.00
074 W001000   0.0000
074 X001000       52
074 Y001000        0
075 A001000        0
075 B001000    77934
076  001000     0.00
SIGNATURE   JEFFREY FRIES
TITLE       TREASURER



<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 010
   <NAME> MUNI BOND INST CLASS
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
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<PER-SHARE-NAV-END>                               9.92
<EXPENSE-RATIO>                                    .75


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 011
   <NAME> MUNI BOND FUNDS RETAIL CL A
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
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<PER-SHARE-NAV-END>                               9.91
<EXPENSE-RATIO>                                   1.00


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 040
   <NAME> ACH EQUITY FUND INST CL
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
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<EXPENSE-RATIO>                                    .90


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 041
   <NAME> ACH EQUITY FUND RETAIL CL A
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
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<PER-SHARE-NAV-END>                              18.09
<EXPENSE-RATIO>                                   1.15


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 042
   <NAME> ACH EQUITY FUND RETAIL CL B
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
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<ACCUMULATED-NII-CURRENT>                        16573
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<REALIZED-GAINS-CURRENT>                         13548
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<EQUALIZATION>                                       0
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<NUMBER-OF-SHARES-SOLD>                             43
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<ACCUMULATED-NII-PRIOR>                            242
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<PER-SHARE-NAV-BEGIN>                            17.93
<PER-SHARE-NII>                                  (.07)
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<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              17.92
<EXPENSE-RATIO>                                   1.90


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 050
   <NAME> BALANCED FUND INST CL
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
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<NUMBER-OF-SHARES-SOLD>                            346
<NUMBER-OF-SHARES-REDEEMED>                      (756)
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<NET-CHANGE-IN-ASSETS>                          (4037)
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<ACCUMULATED-GAINS-PRIOR>                       (4262)
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<PER-SHARE-NAV-END>                              13.98
<EXPENSE-RATIO>                                    .90


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 051
   <NAME> BALANCED FUND RETAIL CL A
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
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<PER-SHARE-NAV-END>                              13.96
<EXPENSE-RATIO>                                   1.15


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 052
   <NAME> BALANCED FUND RETAIL CL B
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
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<OTHER-INCOME>                                       0
<EXPENSES-NET>                                  (1000)
<NET-INVESTMENT-INCOME>                           2031
<REALIZED-GAINS-CURRENT>                          9603
<APPREC-INCREASE-CURRENT>                       (9859)
<NET-CHANGE-FROM-OPS>                             1775
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                          (6)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                             42
<NUMBER-OF-SHARES-REDEEMED>                       (20)
<SHARES-REINVESTED>                                  1
<NET-CHANGE-IN-ASSETS>                             318
<ACCUMULATED-NII-PRIOR>                           3991
<ACCUMULATED-GAINS-PRIOR>                         4336
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              811
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                   1000
<AVERAGE-NET-ASSETS>                            221070
<PER-SHARE-NAV-BEGIN>                            13.95
<PER-SHARE-NII>                                    .06
<PER-SHARE-GAIN-APPREC>                          (.01)
<PER-SHARE-DIVIDEND>                             (.06)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              13.94
<EXPENSE-RATIO>                                   1.90


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 060
   <NAME> INTERM TERM BOND INST CL
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                           167991
<INVESTMENTS-AT-VALUE>                          164560
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                    1884
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  166444
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            0
<TOTAL-LIABILITIES>                                  0
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        172016
<SHARES-COMMON-STOCK>                            16193
<SHARES-COMMON-PRIOR>                            15655
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                         (2141)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                        (3431)
<NET-ASSETS>                                    166444
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 5336
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (624)
<NET-INVESTMENT-INCOME>                           4712
<REALIZED-GAINS-CURRENT>                         (216)
<APPREC-INCREASE-CURRENT>                       (8967)
<NET-CHANGE-FROM-OPS>                           (4471)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       (4671)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                           2000
<NUMBER-OF-SHARES-REDEEMED>                     (1528)
<SHARES-REINVESTED>                                 66
<NET-CHANGE-IN-ASSETS>                          (3484)
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                        (1925)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              498
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    771
<AVERAGE-NET-ASSETS>                            167359
<PER-SHARE-NAV-BEGIN>                            10.77
<PER-SHARE-NII>                                    .29
<PER-SHARE-GAIN-APPREC>                          (.58)
<PER-SHARE-DIVIDEND>                             (.29)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.19
<EXPENSE-RATIO>                                    .75


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 061
   <NAME> INTERM TERM BOND RETAIL CL A
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                           167991
<INVESTMENTS-AT-VALUE>                          164560
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                    1884
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  166444
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            0
<TOTAL-LIABILITIES>                                  0
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        172016
<SHARES-COMMON-STOCK>                              135
<SHARES-COMMON-PRIOR>                              162
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                              0
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                        (3431)
<NET-ASSETS>                                    166444
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 5336
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (624)
<NET-INVESTMENT-INCOME>                           4712
<REALIZED-GAINS-CURRENT>                         (216)
<APPREC-INCREASE-CURRENT>                       (8967)
<NET-CHANGE-FROM-OPS>                           (4471)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                         (41)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                              1
<NUMBER-OF-SHARES-REDEEMED>                       (32)
<SHARES-REINVESTED>                                  4
<NET-CHANGE-IN-ASSETS>                           (360)
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                      (1925)
<GROSS-ADVISORY-FEES>                              645
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    771
<AVERAGE-NET-ASSETS>                            167359
<PER-SHARE-NAV-BEGIN>                            10.79
<PER-SHARE-NII>                                    .28
<PER-SHARE-GAIN-APPREC>                          (.57)
<PER-SHARE-DIVIDEND>                             (.28)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.22
<EXPENSE-RATIO>                                   1.00


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 070
   <NAME> SHORT TERM BOND INST
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                            34581
<INVESTMENTS-AT-VALUE>                           34288
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                     475
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   34763
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            0
<TOTAL-LIABILITIES>                                  0
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         37479
<SHARES-COMMON-STOCK>                             3498
<SHARES-COMMON-PRIOR>                             3789
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                             (1)
<ACCUMULATED-NET-GAINS>                         (2422)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                         (293)
<NET-ASSETS>                                     34763
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 1127
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (138)
<NET-INVESTMENT-INCOME>                            989
<REALIZED-GAINS-CURRENT>                          (57)
<APPREC-INCREASE-CURRENT>                        (394)
<NET-CHANGE-FROM-OPS>                              538
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        (986)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            378
<NUMBER-OF-SHARES-REDEEMED>                      (727)
<SHARES-REINVESTED>                                 58
<NET-CHANGE-IN-ASSETS>                          (3349)
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                        (2365)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              110
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    194
<AVERAGE-NET-ASSETS>                             36877
<PER-SHARE-NAV-BEGIN>                            10.02
<PER-SHARE-NII>                                    .27
<PER-SHARE-GAIN-APPREC>                          (.13)
<PER-SHARE-DIVIDEND>                             (.27)
<PER-SHARE-DISTRIBUTIONS>                          .00
<RETURNS-OF-CAPITAL>                               .00
<PER-SHARE-NAV-END>                               9.89
<EXPENSE-RATIO>                                    .75


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 062
   <NAME> MUNI BOND FUND RETAIL CL B
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                            78200
<INVESTMENTS-AT-VALUE>                           77172
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                     541
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   77713
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            0
<TOTAL-LIABILITIES>                                  0
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         78685
<SHARES-COMMON-STOCK>                              255
<SHARES-COMMON-PRIOR>                              217
<ACCUMULATED-NII-CURRENT>                            3
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                             53
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                        (1028)
<NET-ASSETS>                                     77713
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 2157
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (311)
<NET-INVESTMENT-INCOME>                           1846
<REALIZED-GAINS-CURRENT>                          (73)
<APPREC-INCREASE-CURRENT>                       (2840)
<NET-CHANGE-FROM-OPS>                           (1067)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                         (46)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                             44
<NUMBER-OF-SHARES-REDEEMED>                       (10)
<SHARES-REINVESTED>                                  4
<NET-CHANGE-IN-ASSETS>                             291
<ACCUMULATED-NII-PRIOR>                             13
<ACCUMULATED-GAINS-PRIOR>                          126
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              301
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    380
<AVERAGE-NET-ASSETS>                             77934
<PER-SHARE-NAV-BEGIN>                            10.30
<PER-SHARE-NII>                                    .20
<PER-SHARE-GAIN-APPREC>                          (.38)
<PER-SHARE-DIVIDEND>                             (.20)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               9.92
<EXPENSE-RATIO>                                   1.75


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 071
   <NAME> SHORT TERM BOND RETAIL CL A
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                            34581
<INVESTMENTS-AT-VALUE>                           34288
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                     475
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   34763
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            0
<TOTAL-LIABILITIES>                                  0
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         37479
<SHARES-COMMON-STOCK>                               16
<SHARES-COMMON-PRIOR>                               15
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                             (1)
<ACCUMULATED-NET-GAINS>                         (2422)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                         (293)
<NET-ASSETS>                                     34763
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 1127
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (138)
<NET-INVESTMENT-INCOME>                            989
<REALIZED-GAINS-CURRENT>                          (57)
<APPREC-INCREASE-CURRENT>                        (394)
<NET-CHANGE-FROM-OPS>                              538
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                          (4)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                              1
<NUMBER-OF-SHARES-REDEEMED>                          0
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                              13
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                      (2365)
<GROSS-ADVISORY-FEES>                              166
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    194
<AVERAGE-NET-ASSETS>                             36877
<PER-SHARE-NAV-BEGIN>                            10.00
<PER-SHARE-NII>                                    .25
<PER-SHARE-GAIN-APPREC>                          (.12)
<PER-SHARE-DIVIDEND>                             (.25)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               9.88
<EXPENSE-RATIO>                                   1.00


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 090
   <NAME> IDAHO MUNI BOND INST CL
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                            39969
<INVESTMENTS-AT-VALUE>                           40080
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   40080
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          324
<TOTAL-LIABILITIES>                                324
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         39461
<SHARES-COMMON-STOCK>                             2514
<SHARES-COMMON-PRIOR>                             2472
<ACCUMULATED-NII-CURRENT>                            1
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            183
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           111
<NET-ASSETS>                                     39756
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 1033
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (175)
<NET-INVESTMENT-INCOME>                            858
<REALIZED-GAINS-CURRENT>                           155
<APPREC-INCREASE-CURRENT>                       (1976)
<NET-CHANGE-FROM-OPS>                            (963)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        (587)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            255
<NUMBER-OF-SHARES-REDEEMED>                      (214)
<SHARES-REINVESTED>                                  1
<NET-CHANGE-IN-ASSETS>                           (744)
<ACCUMULATED-NII-PRIOR>                              1
<ACCUMULATED-GAINS-PRIOR>                           28
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              121
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    231
<AVERAGE-NET-ASSETS>                             13555
<PER-SHARE-NAV-BEGIN>                            10.91
<PER-SHARE-NII>                                    .23
<PER-SHARE-GAIN-APPREC>                          (.48)
<PER-SHARE-DIVIDEND>                             (.23)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.43
<EXPENSE-RATIO>                                    .75


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 091
   <NAME> IDAHO MUNI BOND RETAIL CL A
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                            39969
<INVESTMENTS-AT-VALUE>                           40080
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   40080
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          324
<TOTAL-LIABILITIES>                                324
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         39461
<SHARES-COMMON-STOCK>                             1072
<SHARES-COMMON-PRIOR>                             1070
<ACCUMULATED-NII-CURRENT>                            1
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            183
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           111
<NET-ASSETS>                                     39756
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 1033
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (175)
<NET-INVESTMENT-INCOME>                            858
<REALIZED-GAINS-CURRENT>                           155
<APPREC-INCREASE-CURRENT>                       (1976)
<NET-CHANGE-FROM-OPS>                            (963)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        (237)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                             24
<NUMBER-OF-SHARES-REDEEMED>                       (44)
<SHARES-REINVESTED>                                 22
<NET-CHANGE-IN-ASSETS>                           (487)
<ACCUMULATED-NII-PRIOR>                              1
<ACCUMULATED-GAINS-PRIOR>                           28
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              167
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    231
<AVERAGE-NET-ASSETS>                             40549
<PER-SHARE-NAV-BEGIN>                            10.93
<PER-SHARE-NII>                                    .22
<PER-SHARE-GAIN-APPREC>                          (.48)
<PER-SHARE-DIVIDEND>                             (.22)
<PER-SHARE-DISTRIBUTIONS>                          .00
<RETURNS-OF-CAPITAL>                               .00
<PER-SHARE-NAV-END>                              10.45
<EXPENSE-RATIO>                                   1.00


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
   <NUMBER> 092
   <NAME> IDAHO MUNI BOND RETAIL CL B
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-31-2000
<PERIOD-START>                             FEB-01-1999
<PERIOD-END>                               JUL-31-1999
<INVESTMENTS-AT-COST>                            39969
<INVESTMENTS-AT-VALUE>                           40080
<RECEIVABLES>                                        0
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   40080
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          324
<TOTAL-LIABILITIES>                                324
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         39461
<SHARES-COMMON-STOCK>                              223
<SHARES-COMMON-PRIOR>                              123
<ACCUMULATED-NII-CURRENT>                            1
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            183
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           111
<NET-ASSETS>                                     39756
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 1033
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (175)
<NET-INVESTMENT-INCOME>                            858
<REALIZED-GAINS-CURRENT>                           155
<APPREC-INCREASE-CURRENT>                       (1976)
<NET-CHANGE-FROM-OPS>                            (963)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                         (34)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            106
<NUMBER-OF-SHARES-REDEEMED>                        (8)
<SHARES-REINVESTED>                                  2
<NET-CHANGE-IN-ASSETS>                             985
<ACCUMULATED-NII-PRIOR>                              1
<ACCUMULATED-GAINS-PRIOR>                           28
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