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My point is that some people left on their own with no help, simply refuse to save for retirement. It is better to pay a load and save, than not pay a load and not save.

Absolutely true, it's better to pay a load then to do nothing at all. As long as you're not betting the farm on penny stocks or investments you don't know what the heck they mean :) (options of futures of foreign ADRs of junk bonds or some such ;) ).

But since he's here, hopefully doing nothing at all is no longer one of the thoughts and he's absolutely correct to avoid the load (as you agree).
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