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First, sales charges in excess of than 5% came there are various top to cover his guy, so mike started off more than $1000 globe hole on a $20,000 mutual fund investment capital. Plus, expenses and other fees were costing him more than 2% every year. Second, his funds both had worse than average 10-year performance facts. Third, the stock market had been lackluster since he made his purchase. When you invest in funds anyone could have no power over the markets, but however find funds that are wonderful investments in regard to another two factors: performance and value of transacting.