Load, back-end load. . . how do I select the mutual fund fee structure that is right for me?

Start by reading the mutual fund prospectus thoroughly. Make a list of all items described as fees, charges or expenses. These include front-end loads, back-end charges (or contingent deferred sales charges), redemption fees, exchange fees, management fees, 12-b-1 fees and a category called "other expenses."

Then, visit your public library to consult a mutual fund rating reference such as Morningstar, which publishes cost averages for the various fund categories. If your fund's fees exceed the average, ask your agent or mutual fund company representative to explain. More.

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