Most funds no longer charge 12b-1 mutual fund fees but they are still around. These were originally permitted by the SEC to allow marketing to new investors.
These actually represent a small sales load that adds up over the years. The 12b-1 charges originally were used to pay fees for the distribution of funds by brokers. But they still persist even when brokers are not involved, but are ostensibly used for sales and marketing.
My suggestion: Avoid mutual funds that charge them. Those fees become significant deductions from your accumulated holdings over the years.
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