Assume a mutual fund is a pure no-load fund. Which of the following costs should an investor still expect to incur? I. contingent deferred sales charge (i.e., back-end load) II. management fee III. trading costs IV. redemption fee 1) II, III, and IV only 2) II and III only 3) I. II, III, and IV 4) I. II, and III only 5) none of the costs listed