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Investors who do not have the funds to reach a breakpoint before the deadline indicated by a letter of intent will have to pay regular front-end fees.
Tertiary students deserve front-end assistance - a universal living allowance should be put in place and made available to all fulltime tertiary students.
The fund lost 8.4 percent a year, on average, for the three years through March, adjusted for its 5.5 percent front-end sales load, or sales charge.
This is because, firstly, the front-end fees are amortized over a longer period.
I believe we should do that by providing a front-end incentive, which would be a tax rebate on the first $2,000 saved by a person each year.
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