My husband's 401k is through Merrill Lynch. I was looking at the options, and it seems that there are both loaded and no load mutual funds offered. I was trying to read the prospectuses and figure it out, but I'm having trouble. There are multiple funds listed in many of them. Nothing is straight forward! The choices are as follows:Investment Type: Core AIM BASIC VALUE FD CL A ALGER MIDCAP GRW INSTL PORT FEDERATED CAPITAL APPRECIATION LORD ABBETT MID CAP VALUE CL P ML FUNDAMENTAL GROWTH FUND A ML S & P 500 INDEX FUND CL I PIMCO NFJ SM-CAP VAL FD CL A SCUDDER INTL SELECT EQUITY INV THE MANAGERS SPECIAL EQUITY FD THE OAKMARK INTL FD CL II What is the difference between Class I and Class II? I thought Oakmark offered no load funds. Is that right? Just to make sure, class A means there is an up-front sales charge, right? In the case of the Pimco small cap, the charge is 5.5% plus there is a 1.36% management fee. Where would you recommend we put our money? Currently, he has 25% going into the Pimco and 75% going into this Retirement Preservation Trust (which isn't listed above.) After talking with DH, I was going to change the contributions to 50% S&P 500 Index fund, 25% Pimco Small Cap, and 25% Oakmark International. Now that I see the Pimco has a load, I am not sure if we should still invest there.DH must not have been paying attention to the loads and fees when he was deciding where to put the money. We currently have a balance of about $51000 in the account. He contributes $12000 yearly plus his employer matches 50% of the total amount contributed.Thanks for your help! Monica
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