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Understanding Mutual Fund Classes: Class AClass A shares - When you buy Class A shares, you will pay an upfront sales charge, taken out of your initial investment. These sales charges (or "loads") usually range from 3 percent to 6 percent. So, for example, if you pay $10,000 for a mutual fund that has a 5 percent load, $500 of your money will go for the sales charge, with $9,500 used to buy shares. Class A shares may also impose a "12b-1 fee" to cover marketing and distribution expenses. These 12b-1 fees are fairly low-- about 0.25 percent annually. Class A shares traditionally have the lowest ongoing expenses of any class.
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Understanding Mutual Fund Classes: Class C (September 10, 2006)
Class C shares - Generally, Class C shares do not charge either front-end or back-end loads if held for more than one year. But if you buy Class C shares, you may pay a 1 percent 12b-1 fee for as long as you own the ...
Class C shares - Generally, Class C shares do not charge either front-end or back-end loads if held for more than one year. But if you buy Class C shares, you may pay a 1 percent 12b-1 fee for as long as you own the ...
Understanding Mutual Fund Classes: Class B (September 10, 2006)
Class B shares - If you purchase Class B shares, you don't pay a sales charge right away. Instead, you'll pay a "back-end load" when you sell your shares. Typically, this back-end load decreases over time; for most Class B shares, the load disappears after ...
Class B shares - If you purchase Class B shares, you don't pay a sales charge right away. Instead, you'll pay a "back-end load" when you sell your shares. Typically, this back-end load decreases over time; for most Class B shares, the load disappears after ...
Morningstar Pick: Fidelity Spartan 500 Index Investor (FSMKX) (September 10, 2006)
If you just want to track to S&P 500 index, Fidelity Spartan 500 Index Investor is the low-cost choice for you.
If you just want to track to S&P 500 index, Fidelity Spartan 500 Index Investor is the low-cost choice for you.
Morningstar Pick: Dodge & Cox International Stock (DODFX) (September 10, 2006)
DODFX is my largest holding in my half-a-million portfolio. It is a solid international fund that wins accolade from almost all fund reviews. Read the full Morningstar report so you can make your own assessment.
DODFX is my largest holding in my half-a-million portfolio. It is a solid international fund that wins accolade from almost all fund reviews. Read the full Morningstar report so you can make your own assessment.
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