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As investors begin this new year, one resolution for 2007 should lead most lists: Cut your portfolio costs. Fortunately, reducing your investment expenses is much easier than the common New Year’s goal of losing weight. It’s possible to cut the costs of investing without any pain. In the process, you can also improve your portfolio performance significantly. How much are you spending right now to maintain your portfolio? If you know exactly, that’s good. If you don’t, and particularly if you’re using a stockbroker or other commission-based financial adviser, you’re probably spending at least 2 percent (and possibly much more) of your portfolio on these expenses each year. And that’s not good — not good at all. Investment costs come in a variety of forms. For example, fees for mutual funds include:

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