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Six years ago, a financial planner moved several small accounts we had into an IRA. He put all the funds in C shares. We didn't quite understand what that meant at the time, but we trusted him. Now, 6 years later, another financial advisor is telling us that we were 'ripped off' and IRAs should never be funded with C shares. He says the original advisor will continue to make money off of us for years to come, but had the money been put in A shares since the beginning, a percentage would have been taken up front, but that would have been all. This new financial advisor would like us to move our money to him, and he will invest in A shares. I contacted our original financial advisor and he agreed to move the funds to A shares. Regardless of who we go with, that percentage will be taken upfront again. Were we taken advantage of, or was funding an IRA with C shares okay? Should we leave the IRA as is or have it moved to A shares? We would appreciate some opinions.
IRAs are long-term saving funds. That means you want steady growth over a long period. The most effective way to achieve that is not in any individual equity, but rather in indexed funds (such as those offered by Vanguard or Fidelity). Any financial advisor wants to make money. They make money in one of two ways: commission from the investments they convince you to buy, or a straight management fee they charge you. Some collect both! And you don't need to pay either. If you invest in NO LOAD, index funds, you will do as well as any managed fund over time. NO managed fund beats the market over the 10 to 20 year period. To start with, make sure you have a balance of your portfolio in something like the Vanguard Total Stock Market Index Fund. After that, look for investments that compliment that fund, such as a small percentage in an International Index Fund, and small amounts in Mid-cap and Small Cap Index Funds. If you are near retirement, move about 30% of your total into Bond Indexes. If you have 20 years to retirement, stay at 80% or so in equities, and 20% in bonds. (Percentages will vary depending on your own risk tolerance). You don't need a financial advisor at all; set up an IRA at Vanguard or Fidelity and receive free advice via their websites. I personally like Vanguard because (a) they have some of the leading funds, and (b) because they are a mutual company, they don't have high paid executives, and the profits go back into the company to serve you. Things to avoid: - Managed Funds - Index funds with a front or back end load - Individual stocks These are all financial vehicles for highly experienced investors; for 90% of the population, they are not appropriate - no load index funds are the best option. Incidentally, if you ask a financial advisor about no load index funds they'll run a mile - because they don't make fat commissions from them! That's pennsylvania - look instead at the Motley Fool ( website, or Bob Brinker's website for general education about investing. Then look at both Vanguard and Fidelity's sites for more education/research. Don't be fooled by your financial advisor - you CAN and SHOULD manage your own money, without their help.
Let me start off by saying that I am not fond of responses that say "you don't need a financial advisor". What you need is a trusted advisor. C shares should not have been put in a retirement account because of the constant management fee. They can't even be converted to Class A shares. What you will need to do is sell the C shares to keep from paying that continuous fee. Go with a trusted advisor (CFP, ChFC) and research them. All financial advisors aren't out to get you. They only do as well as their clients. If their clients don't make money, neither do they - IF the pay structure is fair. That should be one of your criteria. Good luck going forward! Ron, ChFC
Never invest in any mutual fund except a no-load fund.
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