<PAGE> PAGE 1
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000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
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000 J000000 A
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001 C000000 2123922550
002 A000000 TWO WORLD TRADE CENTER
002 B000000 NEW YORK
002 C000000 NY
002 D010000 10048
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
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007 C010100 1
007 C020100 THE LIQUID ASSET SERIES
007 C030100 N
007 C010200 2
007 C020200 THE U.S. GOVERNMENT MONEY MARKET SERIES
007 C030200 N
007 C010300 3
007 C020300 THE U.S. GOVERNMENT SECURITIES SERIES
007 C030300 N
007 C010400 4
007 C020400 THE INTERMEDIATE INCOME SECURITIES SERIES
007 C030400 N
007 C010500 5
007 C020500 THE AMERICAN VALUE SERIES
007 C030500 N
007 C010600 6
007 C020600 THE CAPITAL GROWTH SERIES
007 C030600 N
007 C010700 7
007 C020700 THE DIVIDEND GROWTH SERIES
007 C030700 N
007 C010800 8
007 C020800 THE STRATEGIST SERIES
007 C030800 N
007 C010900 9
007 C020900 THE UTILITIES SERIES
007 C030900 N
007 C011000 10
007 C021000 THE VALUE-ADDED MARKET SERIES
<PAGE> PAGE 2
007 C031000 N
007 C011100 11
007 C021100 THE GLOBAL EQUITY SERIES
007 C031100 N
007 C011200 12
007 C011300 13
007 C011400 14
007 C011500 15
007 C011600 16
007 C011700 17
007 C011800 18
007 C011900 19
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<PAGE> PAGE 3
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008 D02AA01 NY
008 D03AA01 10048
011 A00AA01 DEAN WITTER DISTRIBUTORS INC.
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012 A00AA01 DEAN WITTER TRUST COMPANY
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013 B03AA01 10036
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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 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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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 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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<PAGE> PAGE 38
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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<PAGE> PAGE 42
048 G010900 0
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055 A000900 Y
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066 A000900 Y
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068 B000900 N
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<PAGE> PAGE 43
070 A020900 N
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070 C020900 N
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070 E020900 N
070 F010900 Y
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070 G010900 Y
070 G020900 N
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070 H020900 N
070 I010900 N
070 I020900 N
070 J010900 Y
070 J020900 N
070 K010900 Y
070 K020900 N
070 L010900 Y
070 L020900 Y
070 M010900 N
070 M020900 N
070 N010900 Y
070 N020900 N
070 O010900 Y
070 O020900 N
070 P010900 Y
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 N
070 R020900 N
071 A000900 1870
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<PAGE> PAGE 44
072 M000900 0
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<PAGE> PAGE 45
074 V020900 0.00
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024 001000 Y
025 A001001 MERRILL LYNCH, PIERCE, FENNER & SMITH INC.
025 B001001 13-5674085
025 C001001 E
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025 A001002 SALOMON BROTHERS
025 B001002 13-3082694
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<PAGE> PAGE 46
045 001000 Y
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055 A001000 Y
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056 001000 Y
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<PAGE> PAGE 47
062 Q001000 0.0
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066 A001000 Y
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068 A001000 N
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069 001000 N
070 A011000 Y
070 A021000 Y
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070 E021000 N
070 F011000 Y
070 F021000 N
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070 H011000 Y
070 H021000 N
070 I011000 N
070 I021000 N
070 J011000 Y
070 J021000 N
070 K011000 Y
070 K021000 Y
070 L011000 Y
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<PAGE> PAGE 48
071 A001000 7869
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<PAGE> PAGE 49
074 K001000 26
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024 001100 N
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<PAGE> PAGE 50
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045 001100 Y
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055 A001100 Y
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<PAGE> PAGE 51
062 G001100 0.0
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066 A001100 Y
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<PAGE> PAGE 52
070 N011100 Y
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071 A001100 7834
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<PAGE> PAGE 53
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<PAGE> PAGE 54
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<PAGE> PAGE 55
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SIGNATURE SHELDON CURTIS
TITLE VICE PRESIDENT
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Liquid Asset
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<CIK> 0000888128
<NAME> RETIREMENT-LIQUID ASSET
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<NAME> RETIREMENT-LIQUID ASSET
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Retirement-US Goverment Money Mkt
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<NAME> RETIREMENT-US GOVERNMENT MONEY MKT
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<NUMBER> 2
<NAME> RETIREMENT-US GOVERNMENT MONEY MKT
<S> <C>
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<NAME> RETIREMENT-USGVT
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<NAME> RETIREMENT-USGVT
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<TABLE> <S> <C>
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<LEGEND>
Retirement-Intermediate Inc
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-INTERMEDIATE INCOME
<SERIES>
<NUMBER> 4
<NAME> RETIREMENT-INTERMEDIATE INCOME
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 950,571
<INVESTMENTS-AT-VALUE> 947,569
<RECEIVABLES> 56,104
<ASSETS-OTHER> 42,452
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1,046,125
<PAYABLE-FOR-SECURITIES> 24,875
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 27,471
<TOTAL-LIABILITIES> 52,346
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 993,268
<SHARES-COMMON-STOCK> 103,235
<SHARES-COMMON-PRIOR> 48,919
<ACCUMULATED-NII-CURRENT> 426
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 3,087
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (3,002)
<NET-ASSETS> 993,779
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 40,524
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 40,524
<REALIZED-GAINS-CURRENT> 3,997
<APPREC-INCREASE-CURRENT> 12,308
<NET-CHANGE-FROM-OPS> 56,829
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (40,260)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 63,283
<NUMBER-OF-SHARES-REDEEMED> (13,120)
<SHARES-REINVESTED> 4,153
<NET-CHANGE-IN-ASSETS> 533,316
<ACCUMULATED-NII-PRIOR> 162
<ACCUMULATED-GAINS-PRIOR> (910)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 4,006
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 35,536
<AVERAGE-NET-ASSETS> 616,250
<PER-SHARE-NAV-BEGIN> 9.41
<PER-SHARE-NII> 0.61
<PER-SHARE-GAIN-APPREC> 0.22
<PER-SHARE-DIVIDEND> (0.61)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.63
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-American Value
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-AMERICAN VALUE
<SERIES>
<NUMBER> 5
<NAME> RETIREMENT-AMERICAN VALUE
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 18,795,381
<INVESTMENTS-AT-VALUE> 22,359,891
<RECEIVABLES> 746,535
<ASSETS-OTHER> 9,161
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 23,115,587
<PAYABLE-FOR-SECURITIES> 468,561
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 65,539
<TOTAL-LIABILITIES> 534,100
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 18,239,931
<SHARES-COMMON-STOCK> 1,723,154
<SHARES-COMMON-PRIOR> 689,073
<ACCUMULATED-NII-CURRENT> 149,207
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 627,839
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3,564,510
<NET-ASSETS> 22,581,487
<DIVIDEND-INCOME> 130,973
<INTEREST-INCOME> 109,299
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 240,272
<REALIZED-GAINS-CURRENT> 1,027,333
<APPREC-INCREASE-CURRENT> 3,493,914
<NET-CHANGE-FROM-OPS> 4,761,519
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 138,219
<DISTRIBUTIONS-OF-GAINS> 1,962
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,204,547
<NUMBER-OF-SHARES-REDEEMED> 184,040
<SHARES-REINVESTED> 13,574
<NET-CHANGE-IN-ASSETS> 15,740,792
<ACCUMULATED-NII-PRIOR> 47,154
<ACCUMULATED-GAINS-PRIOR> (397,532)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 112,560
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 188,108
<AVERAGE-NET-ASSETS> 13,242,343
<PER-SHARE-NAV-BEGIN> 9.93
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 3.15
<PER-SHARE-DIVIDEND> (0.12)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.10
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Capital Growth
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-CAPITAL GROWTH
<SERIES>
<NUMBER> 6
<NAME> RETIREMENT-CAPITAL GROWTH
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 599,659
<INVESTMENTS-AT-VALUE> 662,006
<RECEIVABLES> 17,917
<ASSETS-OTHER> 7,261
<OTHER-ITEMS-ASSETS> 21,618
<TOTAL-ASSETS> 708,802
<PAYABLE-FOR-SECURITIES> 9,075
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 22,221
<TOTAL-LIABILITIES> 31,296
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 613,332
<SHARES-COMMON-STOCK> 60,664
<SHARES-COMMON-PRIOR> 22,794
<ACCUMULATED-NII-CURRENT> 3,673
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1,846)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 62,347
<NET-ASSETS> 677,506
<DIVIDEND-INCOME> 4,911
<INTEREST-INCOME> 129
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 5,040
<REALIZED-GAINS-CURRENT> 924
<APPREC-INCREASE-CURRENT> 67,202
<NET-CHANGE-FROM-OPS> 73,166
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,260)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 40,391
<NUMBER-OF-SHARES-REDEEMED> (2,856)
<SHARES-REINVESTED> 335
<NET-CHANGE-IN-ASSETS> 462,794
<ACCUMULATED-NII-PRIOR> 1,893
<ACCUMULATED-GAINS-PRIOR> (2,770)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,006
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 40,418
<AVERAGE-NET-ASSETS> 353,635
<PER-SHARE-NAV-BEGIN> 9.42
<PER-SHARE-NII> 0.10
<PER-SHARE-GAIN-APPREC> 1.77
<PER-SHARE-DIVIDEND> (0.12)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.17
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Dividend Growth
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-DIVIDEND GROWTH
<SERIES>
<NUMBER> 7
<NAME> RETIREMENT-DIVIDEND GROWTH
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 30,890,871
<INVESTMENTS-AT-VALUE> 35,489,969
<RECEIVABLES> 190,970
<ASSETS-OTHER> 14,039
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 35,694,978
<PAYABLE-FOR-SECURITIES> 220,868
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 70,089
<TOTAL-LIABILITIES> 290,957
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 30,404,477
<SHARES-COMMON-STOCK> 2,706,023
<SHARES-COMMON-PRIOR> 1,163,962
<ACCUMULATED-NII-CURRENT> 304,765
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 95,681
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 4,599,098
<NET-ASSETS> 35,404,021
<DIVIDEND-INCOME> 819,339
<INTEREST-INCOME> 13,201
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 832,540
<REALIZED-GAINS-CURRENT> 160,385
<APPREC-INCREASE-CURRENT> 4,782,860
<NET-CHANGE-FROM-OPS> 5,775,785
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 622,946
<DISTRIBUTIONS-OF-GAINS> 202,526
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,985,940
<NUMBER-OF-SHARES-REDEEMED> 514,831
<SHARES-REINVESTED> 70,952
<NET-CHANGE-IN-ASSETS> 22,582,602
<ACCUMULATED-NII-PRIOR> 95,171
<ACCUMULATED-GAINS-PRIOR> 137,822
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 179,195
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 272,900
<AVERAGE-NET-ASSETS> 23,892,704
<PER-SHARE-NAV-BEGIN> 11.02
<PER-SHARE-NII> 0.34
<PER-SHARE-GAIN-APPREC> 2.13
<PER-SHARE-DIVIDEND> (0.31)
<PER-SHARE-DISTRIBUTIONS> (0.10)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.08
<EXPENSE-RATIO> 0.00
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Strategist
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-STRATEGIST
<SERIES>
<NUMBER> 8
<NAME> RETIREMENT-STRATEGIST
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 6,096,134
<INVESTMENTS-AT-VALUE> 6,699,033
<RECEIVABLES> 171,608
<ASSETS-OTHER> 20,660
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 6,891,301
<PAYABLE-FOR-SECURITIES> 99,702
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 32,907
<TOTAL-LIABILITIES> 132,609
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 5,959,758
<SHARES-COMMON-STOCK> 599,295
<SHARES-COMMON-PRIOR> 131,252
<ACCUMULATED-NII-CURRENT> 131,775
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 64,260
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 602,899
<NET-ASSETS> 6,758,692
<DIVIDEND-INCOME> 37,923
<INTEREST-INCOME> 156,513
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 194,436
<REALIZED-GAINS-CURRENT> 64,346
<APPREC-INCREASE-CURRENT> 655,133
<NET-CHANGE-FROM-OPS> 913,915
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (84,091)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 671,204
<NUMBER-OF-SHARES-REDEEMED> 211,811
<SHARES-REINVESTED> 8,650
<NET-CHANGE-IN-ASSETS> 5,482,232
<ACCUMULATED-NII-PRIOR> 21,565
<ACCUMULATED-GAINS-PRIOR> (4,566)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 40,226
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 101,060
<AVERAGE-NET-ASSETS> 4,732,550
<PER-SHARE-NAV-BEGIN> 9.73
<PER-SHARE-NII> 0.24
<PER-SHARE-GAIN-APPREC> 1.49
<PER-SHARE-DIVIDEND> (0.18)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.28
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Utilities
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-UTILITIES
<SERIES>
<NUMBER> 9
<NAME> RETIREMENT-UTILITIES
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 4,965,738
<INVESTMENTS-AT-VALUE> 5,312,694
<RECEIVABLES> 70,643
<ASSETS-OTHER> 29,177
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 5,412,514
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 32,694
<TOTAL-LIABILITIES> 32,694
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 5,091,039
<SHARES-COMMON-STOCK> 478,123
<SHARES-COMMON-PRIOR> 370,476
<ACCUMULATED-NII-CURRENT> 59,239
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (117,414)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 346,956
<NET-ASSETS> 5,379,820
<DIVIDEND-INCOME> 156,527
<INTEREST-INCOME> 21,699
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 178,226
<REALIZED-GAINS-CURRENT> (111,170)
<APPREC-INCREASE-CURRENT> 449,814
<NET-CHANGE-FROM-OPS> 516,870
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (148,664)
<DISTRIBUTIONS-OF-GAINS> (7,657)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 279,150
<NUMBER-OF-SHARES-REDEEMED> (186,431)
<SHARES-REINVESTED> 14,928
<NET-CHANGE-IN-ASSETS> 1,520,238
<ACCUMULATED-NII-PRIOR> 39,677
<ACCUMULATED-GAINS-PRIOR> 1,413
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 30,931
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 78,876
<AVERAGE-NET-ASSETS> 4,124,097
<PER-SHARE-NAV-BEGIN> 10.42
<PER-SHARE-NII> 0.42
<PER-SHARE-GAIN-APPREC> 0.80
<PER-SHARE-DIVIDEND> (0.37)
<PER-SHARE-DISTRIBUTIONS> (0.02)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.25
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Value-Added Mkt
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT - VAM
<SERIES>
<NUMBER> 10
<NAME> RETIREMENT-VALUE ADDED
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 13,221,980
<INVESTMENTS-AT-VALUE> 14,343,677
<RECEIVABLES> 49,701
<ASSETS-OTHER> 7,018
<OTHER-ITEMS-ASSETS> 20,877
<TOTAL-ASSETS> 14,421,273
<PAYABLE-FOR-SECURITIES> 315,887
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 25,397
<TOTAL-LIABILITIES> 341,284
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 12,820,696
<SHARES-COMMON-STOCK> 1,100,080
<SHARES-COMMON-PRIOR> 474,963
<ACCUMULATED-NII-CURRENT> 98,210
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 39,386
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,121,697
<NET-ASSETS> 14,079,989
<DIVIDEND-INCOME> 139,199
<INTEREST-INCOME> 19,746
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 158,945
<REALIZED-GAINS-CURRENT> 55,495
<APPREC-INCREASE-CURRENT> 1,097,897
<NET-CHANGE-FROM-OPS> 1,312,337
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (128,720)
<DISTRIBUTIONS-OF-GAINS> (57,957)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 672,727
<NUMBER-OF-SHARES-REDEEMED> (65,288)
<SHARES-REINVESTED> 17,678
<NET-CHANGE-IN-ASSETS> 8,947,398
<ACCUMULATED-NII-PRIOR> 67,985
<ACCUMULATED-GAINS-PRIOR> 41,848
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 31,221
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 76,215
<AVERAGE-NET-ASSETS> 6,244,204
<PER-SHARE-NAV-BEGIN> 10.81
<PER-SHARE-NII> 0.21
<PER-SHARE-GAIN-APPREC> 2.16
<PER-SHARE-DIVIDEND> (0.26)
<PER-SHARE-DISTRIBUTIONS> (0.12)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 12.80
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
Retirement-Global Equity
</LEGEND>
<CIK> 0000888128
<NAME> RETIREMENT-GLOBAL EQUITY
<SERIES>
<NUMBER> 11
<NAME> RETIREMENT-GLOBAL EQUITY
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUL-31-1995
<PERIOD-END> JUL-31-1995
<INVESTMENTS-AT-COST> 6,711,341
<INVESTMENTS-AT-VALUE> 7,235,284
<RECEIVABLES> 55,266
<ASSETS-OTHER> 34,858
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 7,325,408
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 39,103
<TOTAL-LIABILITIES> 39,103
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 6,741,797
<SHARES-COMMON-STOCK> 652,573
<SHARES-COMMON-PRIOR> 189,640
<ACCUMULATED-NII-CURRENT> 91,401
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (70,983)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 524,090
<NET-ASSETS> 7,286,305
<DIVIDEND-INCOME> 53,707
<INTEREST-INCOME> 67,484
<OTHER-INCOME> 0
<EXPENSES-NET> 0
<NET-INVESTMENT-INCOME> 121,191
<REALIZED-GAINS-CURRENT> (65,955)
<APPREC-INCREASE-CURRENT> 520,815
<NET-CHANGE-FROM-OPS> 576,051
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 51,908
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 551,389
<NUMBER-OF-SHARES-REDEEMED> 93,327
<SHARES-REINVESTED> 4,871
<NET-CHANGE-IN-ASSETS> 5,266,280
<ACCUMULATED-NII-PRIOR> 21,656
<ACCUMULATED-GAINS-PRIOR> (4,566)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 44,432
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 99,814
<AVERAGE-NET-ASSETS> 4,443,162
<PER-SHARE-NAV-BEGIN> 10.65
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 0.49
<PER-SHARE-DIVIDEND> (0.11)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.17
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
