Products & Their RisksQuestion 119 of 398

Rights of accumulation allow a mutual fund investor to:

a.Redeem shares free of any tax
b.Count the current value of existing holdings toward reaching a breakpoint on new purchases
c.Receive dividends in cash without reinvestment
d.Buy Class B shares at the Class A price

Explanation

Rights of accumulation let an investor qualify for a breakpoint (reduced sales charge) by adding the current value of shares already owned to a new purchase. Unlike a Letter of Intent, there is no time limit and no obligation to invest a set future amount; the benefit accrues as holdings grow.

Law Reference: Investment Company Act of 1940

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