Word: 12b
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Dates: during 1993-1993
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...shouldn't start now, at least not in any big way. But if you do start now, remember two things: 1) you can get professional management and diversification through mutual funds; 2) buy no-load funds, the ones that charge no sales fee (whether up front or in hidden "12b-1" fees). They do just as well, on average, as the funds that do charge sales fees...