From: "Sam" 
Newsgroups: misc.invest.financial-plan
Subject: 401k advice
Date: Sun, 17 Jun 2007 15:11:27 -0500
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I work for a 300-person company and we've signed up with Smith Barney for 
mutual funds. After doing some research, the only decent fund out of the 
total 12 funds is Europacific growth fund/R3 and it doesn't have a front or 
deferred load. All others have a front load of 5.75%

1) Should I usually aim to invest in a fund that doesn't have any load vs. 
one that does?

2) Will this distinction only hurt me on my initial investment or will the 
front-load apply for every year till I keep investing in the fund? How does 
it exactly work? I know there's going to be a 401k deduction from my pay 
check bi-weekly and invested in the fund. Is that the time the front-load is 
applied and thus would be applied every 2 weeks for years to come?

Thank you