SMI has long maintained that readers implementing the Fund Upgrading strategy should buy the highest-ranked fund(s) in each risk category, regardless of the transaction-fee status of those funds. However, we recognize that some readers ignore this advice, opting instead to limit their purchases to only the no-transaction-fee (NTF) recommendations.

This is probably the most common departure from our recommended approach to Upgrading, so we thought it would be good to take an objective look at whether this attempt to save on fees is worthwhile.

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