MUTUAL FUNDS / YEAR-END REVIEW : Whom Can You Trust? After a decade in which almost every manager could claim success, 1994 proved that most gains aren’t automatic--remonding investors that some strategies are better than others. : YEAR-END SPECIAL

Most of today’s Business section is a special issue on mutual funds, looking back at 1994 and ahead to 1995.

Inside is a review of 1994 performance with data on more than 3,400 funds--including fourth-quarter, one-year, three-year and five-year returns--as well as strategies for beating the market and an assessment of the fund outlook for 1995.

The Footnotes column, Southland Preview, The Pacific and other regular Monday features will return next week.