File:Highcost-lowcost.jpg

This graph shows the investment growth of both a low-cost and a typical high-cost fund.

Both funds assume an intial $10,000 investment and 8% annual growth. The time period is 30 years. The low-cost fund is no-load and has expenses of 0.2% per year.

The high-cost fund has an initial 5.75% sales load, expenses of 2.0% per year, and a 0.25% 12b-1 fee.