These fund companies almost always have higher fees and worse net performance than no-load funds.

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The easy choice here is the Vanguard Health Care Fund, a no-load with low expenses and a superb performance record: 16% a year since inception in 1984.

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Berry likes the similar Eaton Vance Floating-Rate Fund, yielding 1.9% after expenses of 1.8%, for its "steady performance and proven management" and the no-load Fidelity Floating Rate High Income Fund, which is returning 2.9% after expenses of 0.9%.

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