Any cost that you incur in buying or owning a mutual fund decreases your overall return.

I would alway suggest to everyone who invests to buy funds that have no loads, no transaction fees, and low operating expenses.

So it's kind of a strange question to ask if reducing unnecessary fees is a good thing. Yes, keeping your money is a good thing.

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Paul S.

2001 E430, Bourdeaux Red, Oyster interior.
79,200 miles.

1973 280SE 4.5, 170,000 miles. 568 Signal Red, Black MB Tex. "The Red Baron".