No. of Recommendations: 0

You need to do some careful research, but here are some guiding pricipals:

1) Don't pay any loads. Front loads, back loads, whatever. They are sales commissions and they don't add to performance in any way. Even if you choose a managed fund, pick a no-load fund.

2) Look out for 12-b1 fees. They are advertising fees, they don't enhance performance either.

3) Compare everything to VFINX, Vanguard's flagship S&P500 Index fund. A few funds outperform VFINX for a while, but not many that have done so for a decade. It's a great benchmark.

4) Read John Bogel's COMMON SENSE IN MUTUAL FUNDS. Get it at your local library. It's easy reading, but has real depth too.

Van Kampen Emerging Growth A is a front loaded fund that has done well for the last 5 years. It probably doesn't make sense to sell what you already own, but I sure wouldn't pay a commission to get it. If you want comparable no-load suggestions, drop by the mutual fund boards.

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