OK so you invest bare minimum to minimize the load hit assuming once in they don't keep beating you with that stick and then start dribbling into it.Best three year return = 4.24% (includes capital gains)Worst three year return = 2.82% (includes capital gains)Five year average = 4.66%The goobermint estimates inflation between 2.5% - 4%Charlie's as experienced inflation is 6% - ouch%4.24 - 1(estimating expense plus load spread out) = 3.24%2.82 - 1 = 1.82%CD anyone??jack
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