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I certainly agree in not parsing every sentence - however, as you may have noticed, you bring a different point of view than many on these boards. I am curious about one particular piece in your response -

The returns you quoted - do those include the effect of the sales charge?

I am not terribly familiar with loaded funds as I am a no-load believer. However, I would imagine it would depend somewhat on the class of shares sold. I am thinking of a front-end loaded fund when posing this question. Do your returns look at a situation and say, 'this investor brought $10,000 to the table, and earned 10% in one year and so he now has $11,000'? Or do they look look at the situation and say 'this investor brought $10,000 to the table, but only invested $9650 (after 3.5% load), earned 10% in the first year and so he now has $10,615'?

Hopefully that is clear. 10% is better in the first instance than 10% in the other!



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