please help

1st drop down is (always, do not necessarily)

2nd drop down is ( no load , back end load , low load , front end load )

Understanding the Costs Involved in Mutual Fund Investments Sam is debating purchasing a mutual fund, but he has some questions for his financial advisor, Teresa. The following table presents information on four different open-end mutual funds that Sam and Teresa are discussing. Use the information in the table to answer the questions that follow. FUND NAV NET CHG YTO % RET -0.05 2.5 MinTp 18.32 TMRE! 28.77 0.05 5.4 33.81 0.19 7.9 GMAR Maltik 45.21 0.28 9.0 SAM: After some research, I've narrowed it down to these four funds, but can you explain to me the relationship between back-end load fees and fund performance? TERESA: Generally, funds that charge back end load fees, such as TMRE outperform funds that do not charge these fees. SAM: What about front-end load fees? For example, suppose Majtrk has a front-end load fee of 7%, when do I pay this fee? TERESA: If you purchase 100 shares of this fund at the NAV, you will pay a commission of 5 will pay 5 in front-end fees. but when you sell these shares you SAM: It sounds like these fees could start to add up. What's the most I can expect to pay in fees? TERESA: If a fund charges a 2% front-end load and a 3.5% 12-b1 fee, then it can charge a maximum of only charges without violating the cap. % in back-end load SAM: Thanks This was really helpful. So it sounds like you'd recommend looking for funds whenever possible