All three stock-oriented funds suffered losses in their first monthly returns of 2005, with the small and mid-size stock S fund down 3.39 percent in January, the large company common stock C fund down 2.4 percent and the international stock I fund down 1.87 percent. The bond F fund gained 0.58 percent in January and the government securities G fund gained 0.37 percent. In terms of 12-month returns, the I fund leads at 16.22 percent, followed by the S fund, 10.14 percent, the C fund, 6.24 percent, the G fund, 4.38 percent, and the F fund, 4.07 percent.