I understand the basic premise of the load vs. no load debate and can see the appeal of a no load fund. However, it seems that the mutual fund world is dominated by load funds and in the case of a strong performer it may be best to just bite the bullet and go with a good load fund.

My question for those that have more experience in this arena than I is: Would you consider a Front-end Sales Charge of 5.75% to be too high? Furthermore, how would you rate a Total Expense Ratio of 1.25% and a 12b-1 Ratio of 0.42%?

On a similar note, does the sales charge apply to each transaction? For example, in the above case if I were contributing $5,000 I would pay 5.75% to the broker and the remaining $4,712.50 would apply to my purchase of fund shares -- this is on a one time basis correct? And the remaining expenses and fees (e.g. Total and 12b-1) would be withdrawn from my holdings in the fund on an annual basis?

Thank you in advance for your help in this matter.

You owe it to yourself to set aside 19 minutes to watch the following (pass it on):
http://youtu.be/jboTeS9Okak
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Perspective:
http://frontpagemag.com/2012/dgreen....p_FrontPageMag
http://www.rushlimbaugh.com/daily/20...nta_claus_wins
Technical Alchemist, Jan 15, 2008 #1