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Greetings, Dancbassettplus4, and welcome. You asked:

<<my mom is about to invest with hancock in a ira mutual fund. thoughts....>>

Not really except to wonder what your question is. Hancock has over 80 different funds, most with some pretty heavy loads. I assume your mom is aware of that, has researched the fund she's choosing, and is satisfied with her selection. We know nothing about her, the fund she will use, or her selection criteria. Thus, it's rather hard for us to comment until you define the question for us.

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