Avoid 12b-1 Mutual Fund Fees

A 12b-1 distribution fee with a mutual fund is the fee you contribute to the mutual fund's advertising campaign. Not all mutual funds charge 12b-1 fees. Mutual funds that do charge 12b-1 fees don't perform any better than those that don't, so look for a fund that doesn't charge this fee. You can find this important bit of mutual fund information in the mutual fund prospectus.