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What Is A Mutual Fund's Load?Loads are sales fees. Most common are front-end loads and back-end loads. Let's say you invest $5,000 in a fund with a front-end load of 5 percent. Automatically you pay $250 and your investment is cut to $4,750. If you are in a fund with a back-end load, you'll be hit with a sales fee when you sell your shares. Some funds claim to be "no load" but charge reinvestment fees when distributions are reinvested in a fund. If you're a do-it-yourself investor, avoid funds that charge loads. No-load funds generally outperform load funds for the simple reason that the sales fee adds to the cost -- and therefore lower returns.
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