The Woodward Bond Fund was the leading bank-run intermediate U.S. government mutual fund in the country last year.

But don't expect to get an earful of braggadocio from the bond fund's two 36-year-old managers, Douglas Swanson and Ricardo Cipicchio. Woodward's 15.62% return for the year ended Sept. 30 is nice, but it isn't what the pair consider their top achievement.

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