Is Sensible Investment Strategies affiliated with any brokerage firm or any mutual fund organization?
No. Impartiality is one of the hallmarks of this site. Sensible Investment Strategies receives no compensation from any brokerage firm or mutual fund organization. Do you ever recommend mutual funds which have sales loads? No. Why pay typical front-end loads of 4.50-5.75% when you can avoid such sales charges and obtain better performance in 100% no-load funds? To review performance illustrations that compare a 100% no-load fund with load funds, go to “The Advantage of No-Load Mutual Funds”. Investor Alert! Many major full-service financial firms have announced that they can now offer many no-load funds without charging commissions or annual distribution (12b-1) fees. Good news?…not really. These firms will compensate their salesmen/advisers/planners by charging clients up to 2.0% of their assets on an annual basis; these charges are known as “asset-based” fees. Over a long-term time horizon and assuming an average or below-average total expense ratio, it would be better to pay a 5.7
