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I've just read your advice to Joe and as I am in a similar situation, I wanted to ask you what you thought of Franklin Templeton Funds? Specifically:

> International: Mutual European Fund (TEMIX) 4 stars 1.04%
> Global: Templeton Growth Fund (TEPLX) 3 stars 1.05%
> Growth: Franklin Flex Cap Growth Fund (FKCGX) 3 stars 0.93%
> Value: Mutual Shares Fund (TESIX) 5 stars 0.76% NO FRONT LOAD, or
> Sector: Franklin Gold and Precious Metals Fund (FKRCX) 4 stars 0.92%
> Asset Allocation: Franklin Templeton Founding Funds Allocation Fund
> (FFALX) 5 stars 1.20%
> Income: Franklin Income Fund (FKINX) 5 stars 0.64%

As I'm 35, I'm looking for something to hold onto for a while, but also can be agressive with that money.

If you want the back story of why I'm focusing only on Franklin Templeton, here it is:

I rolled over my old 401K and thought I needed a financial advisor to do so. When I met with her, I showed her my complete financial status, and she saw that I had a brokerage account that was mostly in cash, and not "working for me." When combining that with my 40IK money, it made me eligible for a reduced rate on investing in a particular fund that she recommended (went from .5% to .4 or something similar). I'm embarrased to say that the woman talks fast and animatedly, and I try to take notes, but often feel I can't keep up, writing and digesting the information. It's probably not the best match.

Compounding the problem, was that the brokerage money rolled over faster than the 401K money. So when I realized, hey, I'm learning about finance via Fool and Scottrade, I want to just put money in Vanguard, it was too late. I can't take the 401K money out, as I got the reduced rate based on it, and therefore have to put the rest of the money into Franklin Funds. I can't pick something outside of it, as the advisor said, "that's how managed works, I don't deal in other funds, I don't get paid for that." That was the first time the words paid/commission/fee came up, all the other times was "it's a .4%" She was "assuming" I would know that was something I would be paying. (yes, either she's a bad advisor, or I'm a bad client)

Last week I met with her, and was prepared to allocate my funds. I had looked up the Franklin funds available to me on Morningstar, and picked ones with the most stars, and low %, and made sure class A was available for all. But when I got to her office, she had a "managed" scenario to show me, complete with pie charts, etc, on how she could reallocate my funds, and how this would enable her to pick funds OUTSIDE of the Franklin portfolio. I knew enough not to agree/sign anything at that point. I now realize it's going to cost me more money, which I don't want to do, so I'm going to just go with the Franklin Portfolio.


PS. I sure hope you aren't my financial advisor incognito....

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