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This is the job description generic lumigan availability In its recently released comprehensive review of target-date funds, Morningstar rated two of the three most widely held fund families – T. Rowe Price and Vanguard – as the best of the top fund families in performance and quality. It rated Fidelity, the largest, "neutral." The report, compiled by Morningstar's Ibbotson Associates research unit, says that on average, target-date funds on the whole lost 0.6 percent in the latest quarter. For the year ended in June, their average total return was 11.9 percent, still less than half the 23 percent gain for the Standard & Poor's 500 index.