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First, sales charges of more than 5% came off the top to fund his guy, so mike started off more than $1000 a hole on the $20,000 mutual fund investment decision. Plus, expenses and other fees were costing him more than 2% per annum. Second, his funds both had worse than average 10-year performance vinyl records. Third, the stock market had been lackluster since he made his investment capital. When you invest in funds you have no treating the markets, but however find funds that are great investments reference to to the other two factors: performance and value of installing.