No Load Funds

• TIPS funds can help you hedge against inflation when it comes to investing
• TIPS mutual funds offer better liquidity and flexibility than investing in the securities themselves
• TIPS investments can make good financial sense in these uncertain economic times

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• A mutual fund cost calculator can make evaluating mutual fund expenses easy and convenient
• The mutual fund expense ratio for no load funds is normally less than this ratio for loaded funds
• The funds prospectus will disclose the mutual fund expense ratio information

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• Load funds involve broker commission, and this can lead to conflicts of interest for the broker
• Mutual fund expenses can help you determine which funds are really no load funds
• No load funds are the best way to invest for most people, and paying for professional investment advice does not have to mean buying loaded funds, this advice can be found in other ways

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• No load funds will usually offer better earnings than load mutual funds
• Load mutual funds have higher costs and fees associated with them that lowers their earnings potential
• 12b-1 marketing fees and load fees can have a big impact on your investment earnings

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• A 12b-1 fee can vary in the maximum allowable amount, depending on whether the fund is a no load fund or a loaded fund
• A 12b-1 marketing fee is disclosed in the mutual fund expense ratio
• The funds prospectus should detail the percentage of the 12b-1 fee charged by the mutual fund

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• Short US Treasury mutual funds can be a terrific investment to minimize portfolio and capital risks
• Short term treasury fund investments offer many benefits other investment options do not
• Treasury money funds are less volatile and have fewer risks than many other investment types

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• A redemption charge is not a load fee
• No load funds may have redemption fees but they are generally smaller
• Load mutual funds may charge a higher redemption fee, and this can affect the earnings and performance of the fund

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• No load funds never involve any broker commission
• A mutual fund cost calculator can help you determine which funds do not involve any hidden commissions
• 12b-1 marketing fees are legitimate fees that can be used to include broker commission that are hidden with loaded funds but not no load funds

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• No load funds have better long term prospectives than load mutual funds
• Both fund types may charge a 12b-1 marketing fee, but no load funds usually have a lower marketing fee
• A mutual fund cost calculator can help you compare costs between funds

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• No load funds have fewer deductions that reduce your investment assets and value
• Load mutual funds may reduce the value of your assets due to load fees add higher mutual fund expenses
• A redemption charge may or may not be a good thing, but this charge is invested back into the fund

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