Question: If you must choose between a fund with a load or a fund with a distribution fee (12b-1), invest in the funds with 12b-1 fees

If you must choose between a fund with a load or a fund with a distribution fee (12b-1), invest in the funds with 12b-1 fees for extended periods of time (more than 20 years), because they are typically only 0.25%, where loads are 3% to 6%

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