The Bruin Stock Fund sells Class A shares that have a front-end load of 5.3 percent, a 12b-1 fee of 0.32 percent, and other fees of 1 percent. There are also Class B shares with a 5 percent CDSC that declines 0.5 percent per year, a 12b-1 fee of 1.45 percent, and other fees of 1.00 percent. Assume the portfolio return is 13 percent per year. After 5 years:

$1 invested in the Class A shares is worth $1.65 and $1 invested in the class B shares is worth $1.75

$1 invested in the Class A shares is worth $1.71 and $1 invested in the class B shares is worth $1.66

$1 invested in the Class A shares is worth $1.55 and $1 invested in the class B shares is worth $1.61

They are worth the same amount

$1 invested in the Class A shares is worth $1.65 and $1 invested in the class B shares is worth $1.61