Portfolio-testing tools

Overlap - This easy-to-use, stand-alone program is especially useful when comparing several funds at a time. Annual subscription (one CD-ROM every quarter): $158. A single disk: $56. (Phone: 800-OVERLAP).

Morningstar - Premium service offers an overlap detector on its Web site ( Subscription: $9.95 a month or $99 a year. But investors can do almost as well using the site's free tools, especially the fund "Quicktakes." - This Web site's "similarity portfolio analysis" lets investors compare two funds at a time. Full information wasn't always available for each fund, but the price is right: free.

(c) Copyright 1999. The Christian Science Publishing Society

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