Wrong mutual fund can rob years of retirement income

You may not know it, but there’s a class system inside your investment portfolio.
At least there is if you own mutual funds, as nearly 55 million households do. Mutual funds are frequently divided into share classes, which essentially means different fee levels. The same fund — with the same manager, investment holdings and performance — may come at a significantly different cost, depending on the share class you’re in.
THE DIFFERENCE A LETTER MAKES
All mutual f