You might also look at http://www.personalfund.com Tobias mutual fund calculator. This site asks for your predictions of the growth rate of a fund you have and a fund you're considering using instead. Then it will compute the results both if you switch and if you don't. This shows you whether you'll earn back the costs of switching and, if so, how long it will take. I wish you the very best in helping your parents get away from the brokers.Regards,Chips, who'd be much better off today but for listening to brokers
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