And speaking of managing your allotted 16GB of space, Sony's made it so that internal storage is relegated to MTP, whereas any SD card you bring to the table will be handled by MSC.

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"When managing your assets gets tough, then naturally it's hard to offer attractive products, " he said.

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The portion of the ratio that's labeled a 12b-1 fee might go to your adviser, while the rest goes to managing the fund and other expenses.

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