The range of possible asset classes, they are now almost become indispensable, and instead belong to the attention of many investors – the mutual funds or short funds. This extends the range of funds from the quasi-safe money market funds to more complicated and, as riskier hedge funds. As many or most mutual funds, however, have in common is the so-called initial fee. He is a kind of surcharge, which moves in the order three to five percent, in rare cases even more. So if for example, 20,000 euros in an equity fund invests five percent sales charge, which then pays an initial fee of 1,000 euros already, so that ultimately only 19,000 euros to be invested efficiently. This example shows that the initial fee is not insignificant size, the return on investment very negatively affected. However, there are now ways to avoid the initial charge. Via free agency funds can usually several thousand funds with up to 100% discount on theInitial charge and, therefore, that is, without referring initial fee. Particularly interesting is this offer for all those who base their investment decisions independently and do not rely on consulting. Then in this way can be significant cost savings, what the return on investment, of course positively affected. Also for the investment of funds savings plans, or capital formation services is to offer interesting – for here can save over the life of ordinary amounts. Also of interest are Riester fund savings plans at a discount – these usually belong to the offer of free funds brokers.