Rahz
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No load. Why pay for something when there a plenty of quality no load funds available? |
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zyberianwarrior
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Neither. The no loads are the best way to go when looking for mutual funds and the lower expenses the better on them |
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Mike S
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I'd consider a no-load fund with low annual expenses. But to answer your question, I'd go with the front-end load. If you go with a back-end, sure, you've avoided the cost until the end; however, if you've kept that investment for quite a while and it's performed well, you'll pay more at the end because the total investment is now significantly higher. |
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muncie birder
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without a doubt, if those are your only choices, front end load is much less costly. Compare the expense ratios of the two. You will see the the expenses of the front end load fund are much less.
But check out the closed end funds first. Many actually sell at discounts to their net assets, as much as 15%. Like buying stocks on sale. |
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Common Sense
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No load. Learn "Asset Allocation". Understand expenses. Read Morningtar reports (don't make decisions only on "star" numbers, there are very good 2 star funds out there). This will take you 6 months to a year to casually learn. It will save you 10's of thousands of dollars over a lifetime.
BTW: Front load if you have no choice. Go with American Funds if you can. Don't go with broker or insurance funds at all. Don't buy any "investment" products from an insurance salesperson. Also stay clear of "B" shares. |
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vegas_iwish
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Neither! Plenty of no load. If must get 1 or other Front end if going to hold it many years as annual fee often lower (ck!) & Back end if not. |
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asjrb
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Neither. Do you want to pay someone who is taking your money. Go with no load funds. There are plenty of funds (in 1000s) who do very well w/o collecting front or back end load.
Should you decide to go this route which I don't recommend, use front end load. Don't waste your money. |
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Franco
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Academic research has repeatedly shown that over the long term, the best performing mutual funds are the no load index trackers (S&P500) having the lowest annual charges (Total Expence Ratio).
Be careful of financial advisers who recommend the funds paying them the highest commission. It is a deceitful, overcharging industry |
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