Two years ago, Shreedhar Raju, 27, decided that he had to make quick money. So, he invested a part of his hard-earned wages in a new open-ended mutual fund, where he could withdraw his investment at any given point of time. He was, then, unaware that he had paid 5-6 per cent as distribution expenses, charged by the distributor or the financial intermediary, who sells the fund on behalf of the mutual fund company. But over a cup of tea, it occurred to him that he had ignored a simple, but crucial rule. He realised that he had incurred expenses up to 7.25 per cent over a year on the total investment made, which included 2.25 per cent as management expenses along with distribution expenses of 5 per cent.