Date: Fri, 20 Apr 2007 11:21:51 -0500
From: Justin 
Subject: Re: purchase Class A shares
Newsgroups: misc.invest.financial-plan
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Brandon Hansen - www.BrandonHansen.com wrote on [Fri, 20 Apr 2007 10:03:48 -0500]:
> 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.

No, if you pay it up front you ALSO pay it every year as an expense
ratio.

> 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.

I suggest you research this, you are completely wrong.