How do mutual funds earn their money? Many investors do not understand the ways that mutual charge for their services. Mutual funds, in turn, do not always make it easy for investors to understand how they are being charged. After this presentation, you are going to understand how the mutual funds charge you. You may not like it but at least you will understand it. And since it is very likely that most all of us will be mutual funds investors at one time or another -- maybe most of our adult lives -- it is important for us to understand how the mutual funds are charging us.