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We decided to close out my wife's former 401k back in 1998 with Fidelity and rollover the funds into a Wells Fargo Securities account because we bank with them. Since then we have a total of three accounts established with WFS.

We were sold B shares of several mutual funds that haven't had exactly stellar performance. I wish I started Fooling around this website to learn about the disadvantages of B shares because now I want to transfer our accounts back to Fidelity for a number of reasons:
1. B share "no-load" CDSC fees with ongoing higher expenses can effectively lower returns.
2. The yearly maintenance fee of $30 for each account.
3. Lack of web access.
4. Lack of automatic asset building through a link with our checking account.

What to do? Transfer and take the CDSC hit or stay until the B shares convert to A shares?

Bobby O
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