Mutual funds are generally priced with a combination of Sales Charge (also known as Load) and Total Annual Operating Expenses (a percentage of total assets that the mutual fund charges for managing the fund).  Some funds may also have a Contingent Deferred Sales Charge (CDSC also know as a back-end Load).  The most common funds are listed below.  It is important to remember that there is always a cost which is outlined in the prospectus.