NOT AS SIMPLE AS ABC

If you're in the market for mutualfunds but balk at an upfront salesload, your broker may try to talk youinto funds that have "no sales commission."Don't be fooled. If you fallfor that pitch, you'll probably end upwith a fund's B or C shares, whichdon't charge a front-end load, butmake up for it through higherexpense ratios. B shares also charge aback-end load if you sell out within acertain time period, usually 6 or 7years. True no-load funds, whichdon't charge any front-end or back-endfees, are often sold directly toinvestors, not through brokers.