Fri 12/29/1995

chiu index closed 1995 at 167.184 +63.37%
spx closed 1995 +38.05%

cash 19.08%
stocks 42.00%
401k 38.92%

stocks included:

1. intc 4.06%
2. mrk 4.68%
3. jnj 3.06%

funds included:

1. wehix 7.83%
2. fmagx 0.97%
3. uopix 13.19%
4. msaex 4.85%