No. of Recommendations: 4

Oh so you have funds that cost "nothing". Nothing means no annual expenses. I hate to tell you all funds have expenses. If they are on a platform, it's like a 12b-1 fee.

Are you really this thick? Or are you just pretending for me?
I said that I don't buy funds through a BROKER that charges to buy the funds -- NEITHER do I buy funds that charge a 12b-1 fee.

Try reading that once again. I'm sure you will finally understand it if you just give yourself a little time.

I know that all funds have management fees. Those are different from 12b-1 fees. And they are different from BROKER's fees. Got it? Some funds have pretty high management fees. Others have quite low management fees.

I buy funds with quite low management fees. And I buy them directly from the fund company itself. I don't need a BROKER to do this for me.

Understand now?

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