<prompt> Human: Weve been working with a financial adviser for about 3 years now. Hes investing a lot of our money into the Growth Fund of America.I know the fund has been growing over the last few years, but every time we deposit money: 200Month - he takes out 5.75 and we have an annual expense ratio of .65 I dont know enough about the stock market, investing, or what the fees are going to. He tells me that those fees are a one time payment and then the money just sits there making money over the years. Is this true? If the fund has grown 13 over the last 30 years according to him doesnt that mean that our growth has only been 7.25 because we paid 5.75 in fees? I just want to make sure that were making a good investment for retirement here. Edit - Well, fuck.  <response>: In a way, I could also call the guy at the car dealer as my personal automobile advisor as well. 