FUND NAV NET CHG YTD % RET 20.32 -0.04 3.1 QtrFP IntRA r 18.77 0.06 6.0 MRGG 33.81 0.20 8.5 BRRT 35.21 0.29 9.6 ANDREW: After some research, I've narrowed it down to these four funds, but can you explain to me the relationship between 12b-1 fees and fund performance? BETH: Generally, funds that charge 12b-1 fees, such as QtrF p. outperform funds that do not charge these fees. ANDREW: What about front-end load fees? For example, suppose BRRT has a front-end load fee of 6%, when do I pay this fee? , but when you sell these shares you BETH: If you purchase 100 shares of this fund at the NAV, you will pay a commission of $ will pay $ in front-end fees. ANDREW: It sounds like these fees could start to add up. What's the most I can expect to pay in fees? 3% 12-b1 fee, then it can charge maximum of only % in back-end load charges BETH: If a fund charges a 4% front-end load and without violating the cap. ANDREW: Thanks! This was really helpful. So it sounds like you'd recommend looking for funds whenever possible. FUND NAV NET CHG YTD % RET 20.32 -0.04 3.1 QtrFP IntRA r 18.77 0.06 6.0 MRGG 33.81 0.20 8.5 BRRT 35.21 0.29 9.6 ANDREW: After some research, I've narrowed it down to these four funds, but can you explain to me the relationship between 12b-1 fees and fund performance? BETH: Generally, funds that charge 12b-1 fees, such as QtrF p. outperform funds that do not charge these fees. ANDREW: What about front-end load fees? For example, suppose BRRT has a front-end load fee of 6%, when do I pay this fee? , but when you sell these shares you BETH: If you purchase 100 shares of this fund at the NAV, you will pay a commission of $ will pay $ in front-end fees. ANDREW: It sounds like these fees could start to add up. What's the most I can expect to pay in fees? 3% 12-b1 fee, then it can charge maximum of only % in back-end load charges BETH: If a fund charges a 4% front-end load and without violating the cap. ANDREW: Thanks! This was really helpful. So it sounds like you'd recommend looking for funds whenever possible