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First, sales charges in excess of than 5% came over top to his guy, so mike started off more than $1000 in the hole on the $20,000 mutual fund trade. Plus, expenses and other fees were costing him more than 2% each year. Second, his funds both had worse than average 10-year performance archives. Third, the stock market had been lackluster since he made his expense. When you invest in funds you have no treatments for the markets, but however find funds that are awesome investments in regard to one other two factors: performance and value of making money through investing.
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