21.   Financial advisers, though, can still buy the fund for clients without a sales charge.

22.   For decades, the industry has encouraged investors to buy funds that feature the narrowest sectors or the greatest growth.

23.   For that matter, why should investors buy any fund linked to the Dow average?

24.   Fund companies report that investors are still wary about buying bond funds after what happened last year when the market slumped.

25.   He argues that shareholders only bought the fund because of him and they will ultimately reinstall him as manager.

26.   How does Albers invest and who would want to buy his fund?

27.   I find that many people who have made inappropriate investments or investments they do not understand have bought the funds through a bank.

28.   If the decline were limited to that amount, anyone who bought funds before the beginning of November could still be in the black.

29.   If the fund was bought through the Schwab or Fidelity fund systems, it may be sold the same way.

30.   If so, investors might consider buying funds that devote large parts of their assets to bank stocks.