AON FUNDS
NSAR-A, 1999-06-29
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<PAGE>      PAGE  1
000 A000000 04/30/99
000 C000000 0000879752
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 U
001 A000000 AON FUNDS
001 B000000 811-6422
001 C000000 8002663637
002 A000000 123 NORTH WACKER DRIVE
002 B000000 CHICAGO
002 C000000 IL
002 D010000 60606
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000  6
007 C010100  1
007 C020100 MONEY MARKET FUND
007 C030100 N
007 C010200  2
007 C020200 ASSET ALLOCATION FUND
007 C030200 N
007 C010300  3
007 C020300 GOVERNMENT SECURITIES FUND
007 C030300 N
007 C010400  4
007 C020400 S&P 500 INDEX FUND
007 C030400 N
007 C010500  5
007 C020500 REIT INDEX FUND
007 C030500 N
007 C010600  6
007 C020600 INTERNATIONAL EQUITY FUND
007 C030600 N
007 C010700  7
007 C010800  8
007 C010900  9
007 C011000 10
020 A000001 DONALDSON LUFKIN JENSON - PERSHING
020 B000001 13-2741729
020 C000001     52
020 A000002 DRESDNER SECURITIES (USA) INC
020 B000002 13-3894311
020 C000002     33
020 A000003 LEHMAN BROTHERS
<PAGE>      PAGE  2
020 B000003 13-2726611
020 C000003     18
020 A000004 ALEX BROWN & SONS
020 B000004 52-1319768
020 C000004     16
020 A000005 MORGAN STANLEY DEAN WITTER
020 B000005 13-2655998
020 C000005     10
020 A000006 SALOMON SMITH BARNEY
020 B000006 13-1912900
020 C000006     12
020 A000007 CS FIRST BOSTON
020 B000007 13-5659485
020 C000007     13
020 A000008 PRUDENTIAL SECURITIES
020 B000008 22-2347336
020 C000008      9
020 A000009 GOLDMAN SACHS
020 B000009 13-5108880
020 C000009      9
020 A000010 HSBC SECURITIES INC
020 C000010      7
021  000000      247
022 A000001 MERRILL LYNCH
022 B000001 13-5674085
022 C000001   1813689
022 D000001     16829
022 A000002 FIRST CHICAGO CAPITAL MARKETS
022 B000002 36-3595942
022 C000002   1360899
022 D000002     54948
022 A000003 GOLDMAN SACHS
022 B000003 13-5108880
022 C000003    879035
022 D000003         0
022 A000004 CHASE MANHATTAN
022 B000004 13-4994650
022 C000004    624432
022 D000004     87133
022 A000005 HARRIS-NESBITT THOMAS
022 B000005 13-2620737
022 C000005    324071
022 D000005         0
022 A000006 MORGAN STANLEY DEAN WITTER
022 B000006 13-2655998
022 C000006    264246
022 D000006     24787
022 A000007 HOUSEHOLD FINANCE CORP
022 B000007 36-1239445
022 C000007    184678
022 D000007         0
<PAGE>      PAGE  3
022 A000008 AMERICAN EXPRESS
022 B000008 11-1988350
022 C000008    181425
022 D000008         0
022 A000009 UBS SECURITIES
022 C000009     61401
022 D000009     71981
022 A000010 FORD MOTOR CREDIT COMPANY
022 B000010 38-1612444
022 C000010    112700
022 D000010      4115
023 C000000    6993475
023 D000000     296800
027  000000 Y
077 A000000 Y
077 B000000 N
077 C000000 N
077 D000000 N
077 E000000 N
077 F000000 N
077 G000000 N
077 H000000 N
077 I000000 N
077 J000000 N
077 K000000 N
077 L000000 N
077 M000000 N
077 N000000 N
077 O000000 N
077 P000000 N
077 Q010000 Y
077 Q020000 N
077 Q030000 N
025 A000101 AMERICAN EXPRESS
025 B000101 11-1988350
025 C000101 D
025 D000101   24932
025 A000102 HARRIS NESBIT THOMPSON
025 C000102 D
025 D000102    3308
025 A000103 FIRST CHICAGO FINANCIAL CORP
025 B000103 36-3595942
025 C000103 D
025 D000103     963
025 A000104 FORD MOTOR CREDIT
025 B000104 38-1612444
025 C000104 D
025 D000104   26970
025 D000105       0
025 D000106       0
025 D000107       0
<PAGE>      PAGE  4
025 D000108       0
062 A000100 Y
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062 C000100   8.5
062 D000100   0.5
062 E000100   0.0
062 F000100   1.4
062 G000100   0.0
062 H000100   0.0
062 I000100  89.8
062 J000100   0.0
062 K000100   0.0
062 L000100   0.0
062 M000100   0.0
062 N000100   0.0
062 O000100   0.0
062 P000100   0.0
062 Q000100   0.0
062 R000100   0.0
066 A000100 N
071 A000100         0
071 B000100         0
071 C000100         0
071 D000100    0
072 A000100  6
074 N000100   639671
074 T000100   636646
075 A000100   731155
075 B000100        0
025 A000201 MS DEAN WITTER
025 B000201 13-2655998
025 C000201 E
025 D000201    1240
025 A000202 MERRILL LYNCH
025 B000202 13-5674085
025 C000202 E
025 D000202    1668
025 A000203 CITIGROUP
025 B000203 13-3082694
025 C000203 E
025 D000203    2257
025 D000204       0
025 D000205       0
025 D000206       0
025 D000207       0
025 D000208       0
028 A010200        32
028 A020200         0
028 A030200         0
028 A040200      2917
028 B010200        34
<PAGE>      PAGE  5
028 B020200         0
028 B030200         0
028 B040200     29473
028 C010200      5544
028 C020200      2061
028 C030200         0
028 C040200        54
028 D010200        38
028 D020200         0
028 D030200         0
028 D040200      5658
028 E010200      3792
028 E020200         0
028 E030200         0
028 E040200      6488
028 F010200        39
028 F020200       713
028 F030200         0
028 F040200      5000
028 G010200      9479
028 G020200      2774
028 G030200         0
028 G040200     49590
028 H000200         0
062 A000200 N
062 B000200   0.0
062 C000200   0.0
062 D000200   0.0
062 E000200   0.0
062 F000200   0.0
062 G000200   0.0
062 H000200   0.0
062 I000200   0.0
062 J000200   0.0
062 K000200   0.0
062 L000200   0.0
062 M000200   0.0
062 N000200   0.0
062 O000200   0.0
062 P000200   0.0
062 Q000200   0.0
062 R000200   0.0
066 A000200 Y
066 G000200 Y
070 A010200 Y
070 A020200 N
070 B010200 Y
070 B020200 Y
070 C010200 Y
070 C020200 N
070 D010200 N
<PAGE>      PAGE  6
070 D020200 N
070 E010200 N
070 E020200 N
070 F010200 N
070 F020200 N
070 G010200 N
070 G020200 N
070 H010200 N
070 H020200 N
070 I010200 N
070 I020200 N
070 J010200 Y
070 J020200 Y
070 K010200 Y
070 K020200 N
070 L010200 Y
070 L020200 Y
070 M010200 N
070 M020200 N
070 N010200 Y
070 N020200 N
070 O010200 Y
070 O020200 N
070 P010200 Y
070 P020200 N
070 Q010200 N
070 Q020200 N
070 R010200 N
070 R020200 N
071 A000200     45226
071 B000200     77931
071 C000200    193037
071 D000200   23
072 A000200  6
072 Y000200      397
072 Z000200     2238
072AA000200    13637
072BB000200     4938
072CC010200    15877
072CC020200        0
072DD010200     2775
072DD020200        0
072EE000200        0
073 A010200   0.2442
073 A020200   0.0000
073 B000200   0.0000
073 C000200   0.0000
074 A000200        0
074 B000200        0
074 C000200     7123
074 D000200    31157
<PAGE>      PAGE  7
074 E000200     4359
074 F000200   152553
074 G000200        0
074 H000200        0
074 I000200        0
074 J000200     3605
074 K000200        0
074 L000200      665
074 M000200        0
074 N000200   199462
074 O000200     2877
074 P000200       99
074 Q000200        0
074 R010200        0
074 R020200        0
074 R030200      106
074 R040200       48
074 S000200        0
074 T000200   196332
074 U010200    11090
074 U020200        0
074 V010200    17.70
074 V020200     0.00
074 W000200   0.0000
074 X000200      262
074 Y000200        0
075 A000200        0
075 B000200   200538
062 A000300 Y
062 B000300   0.0
062 C000300   0.7
062 D000300   0.0
062 E000300   0.0
062 F000300   0.0
062 G000300   0.0
062 H000300   0.0
062 I000300   0.0
062 J000300   0.0
062 K000300   0.0
062 L000300   0.0
062 M000300  54.4
062 N000300  43.3
062 O000300   0.0
062 P000300   0.0
062 Q000300   0.0
062 R000300   0.0
066 A000300 N
071 A000300    110366
071 B000300     91663
071 C000300    147805
071 D000300   62
<PAGE>      PAGE  8
072 A000300  6
072 B000300     4413
072 C000300        0
072 D000300        0
072 E000300        0
072 F000300      351
072 G000300       41
072 H000300        0
072 I000300        6
072 J000300        7
072 K000300        0
072 L000300        0
072 M000300        2
072 N000300        8
072 O000300        0
072 P000300        0
072 Q000300       26
072 R000300        4
072 S000300        4
072 T000300        0
072 U000300        0
072 V000300        0
072 W000300        1
072 X000300      450
072 Y000300      269
072 Z000300     4232
072AA000300     2443
072BB000300      348
072CC010300        0
072CC020300     7539
072DD010300     4238
072DD020300        0
072EE000300     5263
073 A010300   0.2749
073 A020300   0.0000
073 B000300   0.3613
073 C000300   0.0000
074 N000300   169401
074 T000300   168620
075 A000300        0
075 B000300   162042
025 A000401 AMERICAN EXPRESS
025 B000401 11-1988350
025 C000401 E
025 D000401    1501
025 A000402 BANC ONE
025 C000402 E
025 D000402    1767
025 A000403 CHASE MANHATTAN
025 B000403 13-4994650
025 C000403 E
<PAGE>      PAGE  9
025 D000403    1783
025 A000404 CITIGROUP INC.
025 B000404 13-3082694
025 C000404 E
025 D000404    4328
025 A000405 FORD MOTOR CO.
025 B000405 38-1612444
025 C000405 E
025 D000405    1967
025 A000406 MERRILL LYNCH
025 B000406 13-5674085
025 C000406 E
025 D000406     753
025 A000407 FORD MOTOR CO.
025 B000407 38-1612444
025 C000407 D
025 D000407     550
025 A000408 AMERICAN EXPRESS
025 B000408 11-1988350
025 C000408 D
025 D000408     765
062 A000400 N
062 B000400   0.0
062 C000400   0.0
062 D000400   0.0
062 E000400   0.0
062 F000400   0.0
062 G000400   0.0
062 H000400   0.0
062 I000400   0.0
062 J000400   0.0
062 K000400   0.0
062 L000400   0.0
062 M000400   0.0
062 N000400   0.0
062 O000400   0.0
062 P000400   0.0
062 Q000400   0.0
062 R000400   0.0
066 A000400 Y
066 E000400 Y
070 A010400 Y
070 A020400 N
070 B010400 Y
070 B020400 N
070 C010400 N
070 C020400 N
070 D010400 Y
070 D020400 N
070 E010400 Y
070 E020400 N
<PAGE>      PAGE  10
070 F010400 Y
070 F020400 N
070 G010400 Y
070 G020400 N
070 H010400 Y
070 H020400 N
070 I010400 N
070 I020400 N
070 J010400 Y
070 J020400 N
070 K010400 Y
070 K020400 N
070 L010400 Y
070 L020400 Y
070 M010400 N
070 M020400 N
070 N010400 Y
070 N020400 N
070 O010400 Y
070 O020400 N
070 P010400 Y
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 Y
070 R020400 N
071 A000400     10496
071 B000400      5032
071 C000400    254507
071 D000400    2
072 A000400  6
074 N000400   296282
074 T000400   295936
075 A000400        0
075 B000400   260581
062 A000500 N
062 B000500   0.0
062 C000500   0.0
062 D000500   0.0
062 E000500   0.0
062 F000500   0.0
062 G000500   0.0
062 H000500   0.0
062 I000500   0.0
062 J000500   0.0
062 K000500   0.0
062 L000500   0.0
062 M000500   0.0
062 N000500   0.0
062 O000500   0.0
062 P000500   0.0
<PAGE>      PAGE  11
062 Q000500   0.0
062 R000500   0.0
066 A000500 Y
066 E000500 Y
071 A000500     15231
071 B000500     14106
071 C000500     61073
071 D000500   23
072 A000500  6
072 I000500        6
072 J000500        8
072 K000500        0
072 L000500        0
072 M000500        1
072 N000500        4
072 O000500        0
072 P000500        0
072 Q000500       13
072 R000500        1
072 S000500        2
072 T000500        0
072 U000500        0
072 V000500        0
072 W000500        0
072 X000500      237
074 N000500    60978
074 O000500        0
074 P000500       15
074 Q000500        0
074 R010500        0
074 R020500        0
074 R030500        0
074 R040500       18
074 S000500        0
074 T000500    60945
074 U010500     5443
074 U020500        0
074 V010500    11.20
074 V020500     0.00
074 W000500   0.0000
074 X000500      128
074 Y000500        0
075 A000500        0
075 B000500    61299
025 A000601 DRESDNER BANK AG
025 C000601 E
025 D000601     410
025 D000602       0
025 D000603       0
025 D000604       0
025 D000605       0
<PAGE>      PAGE  12
025 D000606       0
025 D000607       0
025 D000608       0
062 A000600 N
062 B000600   0.0
062 C000600   0.0
062 D000600   0.0
062 E000600   0.0
062 F000600   0.0
062 G000600   0.0
062 H000600   0.0
062 I000600   0.0
062 J000600   0.0
062 K000600   0.0
062 L000600   0.0
062 M000600   0.0
062 N000600   0.0
062 O000600   0.0
062 P000600   0.0
062 Q000600   0.0
062 R000600   0.0
066 A000600 Y
066 C000600 Y
071 A000600     17130
071 B000600     31230
071 C000600     51961
071 D000600   33
072 A000600  6
072 B000600       20
072 C000600      481
072 D000600        0
072 E000600        0
072 F000600      246
072 G000600       13
072 H000600        0
074 N000600    54896
074 T000600    53901
075 A000600        0
075 B000600    53355
SIGNATURE   BRIAN LAWRENCE
TITLE       CONTROLLER



<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 1
   <NAME> MONEY MARKET FUND
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1999
<PERIOD-START>                             NOV-01-1998
<PERIOD-END>                               APR-30-1999
<INVESTMENTS-AT-COST>                          637,698
<INVESTMENTS-AT-VALUE>                         637,698
<RECEIVABLES>                                    1,972
<ASSETS-OTHER>                                       1
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                 639,671
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                        3,025
<TOTAL-LIABILITIES>                              3,025
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                       636,646
<SHARES-COMMON-STOCK>                          636,646
<SHARES-COMMON-PRIOR>                          693,667
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                              0
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                   636,646
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                               18,285
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                     707
<NET-INVESTMENT-INCOME>                         17,578
<REALIZED-GAINS-CURRENT>                             0
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                           17,578
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       17,578
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                      3,520,259
<NUMBER-OF-SHARES-REDEEMED>                  3,586,897
<SHARES-REINVESTED>                              9,617
<NET-CHANGE-IN-ASSETS>                        (57,021)
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                            1,088
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                  1,432
<AVERAGE-NET-ASSETS>                           731,155
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                   0.02
<PER-SHARE-GAIN-APPREC>                              0
<PER-SHARE-DIVIDEND>                              0.02
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                   0.19



</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 2
   <NAME> ASSET ALLOCATION FUND
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1999
<PERIOD-START>                             NOV-01-1998
<PERIOD-END>                               APR-30-1999
<INVESTMENTS-AT-COST>                          148,876
<INVESTMENTS-AT-VALUE>                         195,192
<RECEIVABLES>                                    4,270
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                 199,462
<PAYABLE-FOR-SECURITIES>                         2,877
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          253
<TOTAL-LIABILITIES>                              3,130
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                       142,518
<SHARES-COMMON-STOCK>                           11,090
<SHARES-COMMON-PRIOR>                           13,337
<ACCUMULATED-NII-CURRENT>                          312
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                          7,075
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                        46,427
<NET-ASSETS>                                   196,332
<DIVIDEND-INCOME>                                  994
<INTEREST-INCOME>                                1,613
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                     369
<NET-INVESTMENT-INCOME>                          2,238
<REALIZED-GAINS-CURRENT>                         8,699
<APPREC-INCREASE-CURRENT>                       15,877
<NET-CHANGE-FROM-OPS>                           26,814
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        2,775
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            552
<NUMBER-OF-SHARES-REDEEMED>                      2,963
<SHARES-REINVESTED>                                164
<NET-CHANGE-IN-ASSETS>                        (13,298)
<ACCUMULATED-NII-PRIOR>                            849
<ACCUMULATED-GAINS-PRIOR>                      (1,624)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              645
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    766
<AVERAGE-NET-ASSETS>                           200,211
<PER-SHARE-NAV-BEGIN>                            15.72
<PER-SHARE-NII>                                   0.21
<PER-SHARE-GAIN-APPREC>                           2.01
<PER-SHARE-DIVIDEND>                              0.24
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              17.70
<EXPENSE-RATIO>                                   0.37



</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 3
   <NAME> GOVERNMENT SECURITIES FUND
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1999
<PERIOD-START>                             NOV-01-1998
<PERIOD-END>                               APR-30-1999
<INVESTMENTS-AT-COST>                          168,078
<INVESTMENTS-AT-VALUE>                         165,844
<RECEIVABLES>                                    3,557
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                 169,401
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          781
<TOTAL-LIABILITIES>                                781
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                       168,736
<SHARES-COMMON-STOCK>                           16,242
<SHARES-COMMON-PRIOR>                           14,092
<ACCUMULATED-NII-CURRENT>                           23
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                          2,095
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       (2,234)
<NET-ASSETS>                                   168,620
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                4,413
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                     181
<NET-INVESTMENT-INCOME>                          4,232
<REALIZED-GAINS-CURRENT>                         2,095
<APPREC-INCREASE-CURRENT>                      (7,539)
<NET-CHANGE-FROM-OPS>                          (1,212)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        4,238
<DISTRIBUTIONS-OF-GAINS>                         5,263
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          1,348
<NUMBER-OF-SHARES-REDEEMED>                         90
<SHARES-REINVESTED>                                892
<NET-CHANGE-IN-ASSETS>                          12,308
<ACCUMULATED-NII-PRIOR>                             29
<ACCUMULATED-GAINS-PRIOR>                        5,263
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              351
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    450
<AVERAGE-NET-ASSETS>                           164,842
<PER-SHARE-NAV-BEGIN>                            11.09
<PER-SHARE-NII>                                   0.27
<PER-SHARE-GAIN-APPREC>                         (0.35)
<PER-SHARE-DIVIDEND>                              0.27
<PER-SHARE-DISTRIBUTIONS>                         0.36
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.38
<EXPENSE-RATIO>                                   0.22



</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 4
   <NAME> S & P 500 INDEX FUND
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1999
<PERIOD-START>                             NOV-01-1998
<PERIOD-END>                               APR-30-1999
<INVESTMENTS-AT-COST>                          194,858
<INVESTMENTS-AT-VALUE>                         269,040
<RECEIVABLES>                                      242
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                 296,282
<PAYABLE-FOR-SECURITIES>                           119
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          227
<TOTAL-LIABILITIES>                                346
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                       192,472
<SHARES-COMMON-STOCK>                           15,036
<SHARES-COMMON-PRIOR>                           13,663
<ACCUMULATED-NII-CURRENT>                        1,055
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            799
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       101,610
<NET-ASSETS>                                   295,936
<DIVIDEND-INCOME>                                1,662
<INTEREST-INCOME>                                  163
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                     211
<NET-INVESTMENT-INCOME>                          1,614
<REALIZED-GAINS-CURRENT>                           935
<APPREC-INCREASE-CURRENT>                       48,498
<NET-CHANGE-FROM-OPS>                           51,047
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        3,405
<DISTRIBUTIONS-OF-GAINS>                         2,035
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          1,183
<NUMBER-OF-SHARES-REDEEMED>                        111
<SHARES-REINVESTED>                                301
<NET-CHANGE-IN-ASSETS>                          70,936
<ACCUMULATED-NII-PRIOR>                          2,846
<ACCUMULATED-GAINS-PRIOR>                        1,899
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              390
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    536
<AVERAGE-NET-ASSETS>                           263,095
<PER-SHARE-NAV-BEGIN>                            16.47
<PER-SHARE-NII>                                   0.11
<PER-SHARE-GAIN-APPREC>                           3.50
<PER-SHARE-DIVIDEND>                              0.25
<PER-SHARE-DISTRIBUTIONS>                         0.15
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              19.68
<EXPENSE-RATIO>                                   0.16



</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 5
   <NAME> REIT INDEX FUND
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1999
<PERIOD-START>                             NOV-01-1998
<PERIOD-END>                               APR-30-1999
<INVESTMENTS-AT-COST>                           57,288
<INVESTMENTS-AT-VALUE>                          60,827
<RECEIVABLES>                                      151
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  60,978
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                           33
<TOTAL-LIABILITIES>                                 33
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        61,000
<SHARES-COMMON-STOCK>                            5,443
<SHARES-COMMON-PRIOR>                            5,340
<ACCUMULATED-NII-CURRENT>                        1,079
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                        (4,673)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                         3,539
<NET-ASSETS>                                    60,945
<DIVIDEND-INCOME>                                1,692
<INTEREST-INCOME>                                   16
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                      82
<NET-INVESTMENT-INCOME>                          1,626
<REALIZED-GAINS-CURRENT>                       (4,260)
<APPREC-INCREASE-CURRENT>                        4,144
<NET-CHANGE-FROM-OPS>                            1,510
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        3,441
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            965
<NUMBER-OF-SHARES-REDEEMED>                      1,182
<SHARES-REINVESTED>                                320
<NET-CHANGE-IN-ASSETS>                            (45)
<ACCUMULATED-NII-PRIOR>                          2,894
<ACCUMULATED-GAINS-PRIOR>                        (413)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              186
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    237
<AVERAGE-NET-ASSETS>                            62,669
<PER-SHARE-NAV-BEGIN>                            11.42
<PER-SHARE-NII>                                   0.32
<PER-SHARE-GAIN-APPREC>                           0.12
<PER-SHARE-DIVIDEND>                              0.66
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              11.20
<EXPENSE-RATIO>                                   0.26



</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 6
   <NAME> INTERNATIONAL EQUITY FUND
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1999
<PERIOD-START>                             NOV-01-1998
<PERIOD-END>                               APR-30-1999
<INVESTMENTS-AT-COST>                           43,506
<INVESTMENTS-AT-VALUE>                          53,432
<RECEIVABLES>                                      861
<ASSETS-OTHER>                                     603
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  54,896
<PAYABLE-FOR-SECURITIES>                           865
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          130
<TOTAL-LIABILITIES>                                995
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        43,870
<SHARES-COMMON-STOCK>                            4,222
<SHARES-COMMON-PRIOR>                            5,416
<ACCUMULATED-NII-CURRENT>                           14
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            113
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                         9,904
<NET-ASSETS>                                    53,901
<DIVIDEND-INCOME>                                  481
<INTEREST-INCOME>                                   20
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                     313
<NET-INVESTMENT-INCOME>                            188
<REALIZED-GAINS-CURRENT>                         1,427
<APPREC-INCREASE-CURRENT>                        5,283
<NET-CHANGE-FROM-OPS>                            6,898
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                          443
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            960
<NUMBER-OF-SHARES-REDEEMED>                      2,190
<SHARES-REINVESTED>                                 36
<NET-CHANGE-IN-ASSETS>                         (7,642)
<ACCUMULATED-NII-PRIOR>                            446
<ACCUMULATED-GAINS-PRIOR>                      (1,491)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              246
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    404
<AVERAGE-NET-ASSETS>                            52,266
<PER-SHARE-NAV-BEGIN>                            11.36
<PER-SHARE-NII>                                   0.02
<PER-SHARE-GAIN-APPREC>                           1.49
<PER-SHARE-DIVIDEND>                              0.10
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              12.77
<EXPENSE-RATIO>                                   1.21



</TABLE>


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