A study by Boston-based research company Dalbar Inc. has found that though investors hate to pay loads on their mutual funds, they still want help from an investment adviser.

Only 4% of the 4,013 investors polled by the company said they prefer to pay a broker a load, or up-front sales charge, on a mutual fund. By contrast, 70% said they preferred paying a flat fee or a charge based on assets under management.

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