Date: Fri, 20 Apr 2007 10:03:48 -0500
From: "Brandon Hansen - www.BrandonHansen.com" 
Newsgroups: misc.invest.financial-plan
Subject: Re: purchase Class A shares
   posting-account=0AW1Fg0AAABdSnQzk3jNiITahxfnmvoM
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	=T/Md

The important thing to remember is that if you are in a fund, you will
pay for it. There is a difference between a "No Load" and a "No Cost"
fund. Every fund costs you money. You either pay it now or later. So
it depends on what your preference is.

My personal preference is to pay it up front and be done with it.The
fees are based on a % of the amount in the fund and when you put the
money in, that is when you typicaly have the least amount of money in
the fund (ideally). If you don't pay the fee going in then you will
either pay a percentage of it on an annual basis or when you come out
of the fund.

They get you coming or going.

Brandon Hansen