my company is very restrictive , deals with a broker who only allows certain class A shares with front loads , so far put money in ETGIX ( india based firms) , ING quinta flex ( fixed income) , can anyone suggest any good funds in times like these with low expense ratio , has to be class A fund . is it better right now to go with class A or B. or is it okay to be safe and put money in ING quantaflex plan.