re: Putting money in mutual fund acct with relatives

Even in the case of a breakpoint, I personally don't think the one-time 1-2% savings (if that) is worth the hassle that will come with a joint account.

Like you said, if breakpoint is the issue, then go with a no-load fund to begin with.

I'm guessing that breakpoint is not the issue, though...His OP reads that he thinks they can get a higher return by combining funds, a common misconception.