Reality is, Caibx has an ER of .55%...... and over time compared to many other quality no front load options, this fund is actually quite a bit cheaper to own...

..I mean significantly cheaper to own!

.....Don't beliEve me?

Go to the SEC Mutual CalculatOr (http://www.sec.gov/investor/tools/mfcc/mfcc-int.htm), and plug in a load fund with .55% ER and a NO load fund with .95% + + + ER for 25 years!

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Tibix ER = .94%, quite a bit higher than I'm used to, but the fund does things I need at least a portion of my retirement portfolio to do for me.

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A bit of this and a bit of that, and the Er is reasonable for the 'WHOle'

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