SM


Mutual Funds > Terms

Who We Are
The BlueCollarDollar was designed as a personal finance center where you will find the complicated world of investing and financial planning explained. We take a common sense approach to the money you earn, your investments (mutual funds, bonds, mortgages), retirement planning (IRAs, 401(k)s, etc.), insurance, mortgages, and debt. We want you to have a financially stable retirement, that is both comfortable and healthy.

Money Focus
Personal Finance
  • News
  • Commentary
  • Updates
  • Investing
  • True or False
    • Mutual Funds
  • Equity News
  • Our Portfolios
  • Outlook

    • Insurance
  • Guide
  • Life
  • Health
  • Auto
  • Home
    Mortgages
  • Buyer's Guide
    Taxes
  • Guide with Calculators
    Step by Step
    Hot Topics
    Contact the Editor

    Featured Site
  • Bond Market Association
    TradersDigest
    AfterHourTrades.com, Inc.
    Featured Columnist:
  • Tax Mama
  • The Blue Money Report
    Amazon Honor System Click Here to Pay Learn More
    All content is © copyright (1998-2003)
    BonPaulProductions (all rights reserved)

    • Different Loads

    Don't assume that because a fund has a sales charge its expense ratio will be higher than a fund without a sales charge. Consider the following example, in which both funds return 10 percent annually before fees. The first fund, Fund A, is a "no-load" fund without a sales charge. Its expense ratio is 1.74 percent. The second fund, Fund B, has a front-end sales charge, or "load," of 5 percent. Its expense ratio, however, is lower, at .94 percent. An initial investment of $10,000 in Fund B would grow to $305,030 over 40 years, or $65,853 more than the "no-load" fund with a higher expense ratio.

    Order your copy of Building Wealth in a Paycheck-to-Paycheck World by Paul Petillo. It is packed with safe, proven wealth-building strategies that cover all the major components of a balanced financial plan, including:

    • Straight talk on mutual funds, bonds, real estate, and annuities
    • Techniques for avoiding financial disasters
    • Tools to help readers track their debt and create a plan for staying out of it
    • Road maps to buying a home and saving for college and retirement