<prompt> Human: Starting off with 1000 initial, then looking to do a monthly purchase out of direct deposit. Could also maybe just save up the cash and do one time yearly buys. . . . Advisor recommends A shares and to go out of Illinois the state Im in, saying theyre a little cheaper than West Virginia where I was recommended previously. From what I understand the A shares carry an intro fee, low yearly fee, and no outgoing fee. While C shares have no intro fee but a higher yearly fee and a 2 outgoing. Not sure which to pick for tuition plan. Help!Assistant: Neither, they are outdated ripoffs. You should NEVER pay a sales charge to invest in a mutual fund in this day and age. Of course your advisor recommends A shares, they pay him a fat commission. Drop this guy and go with Vanguard, which has no sales charges and low yearly expenses. Although Vanguard has a 3000 minimum to open the account.You could also check with Fidelity or Charles Schwab and see what their minimums are. You should also take the time to evaluate your other investments with this sales person if any.Human: So neither A nor C shares? What does that leave for a 529 plan?  <response>: Look for no load funds offered directly from the investment company. DO NOT deal with A or C or any other share class that charges you a sales charge. 