What are the best no load mutual funds to invest , with low fees, im 38y/o? thank you in advance?

Who doesn't love a 15% div. yield ?
http://finance.yahoo.com/q?s=advdx

Vanguards S&P 500 Index fund is the king for a reason.

You can pick almost anyones S&P fund 500 though cause they all lower their expenses to try and get close to Vanguard.

Do you have an IRA or 401k ? I hope so.

Okay, here is the skinny on the load. There is no such thing as a free lunch! So, if you don't pay upfront, you will have to pay in the end. At which point in your investment do you think you will have the most money? At the beginning or at the end? So, if you went with funds that don't have a front load, they will have it in the rear, and generally you have to hold on to that fund for several years (usually more than 5) before the load disappears. Sound good...nope. Considering the average time in a fund, before allocating out of it is 3 years...you are paying more out in the end...

You're 38. You are looking at retirement. You are wanting to start now...fine. Get a RothIRA started. Do not use mutual funds. Since I have left the Financial Advising business I never touch them. I would say diversify your RothIRA portfolio with ETFs, Powershares, iShares (and the like) and for your fixed income portion of your portfolio, buy TIPS (treasury inflation protected securities). If you have specific questions about this, message me through my 360 page.

Good luck! Hope this helped.

T. Rowe Price and Vanguard.

Better invest overseas. You will get 12%+ from your CD abroad.
Alternatively try to invest in someones business. You may receive up to 20% guaranteed interest per year. You will not get such high guaranteed returns on stocks, mutual funds, bonds or CD's.
If you invest $10,000 at 20% APY, you will have $24,883 in 5 years.
I run my own business and my net profit is over 5% a month.

Email me at investment4us@hotmail.com and I'll give you a valuable advice if you are serious about investing. Please don't forget to mention your question and screenname on Yahoo Answers.
Best of luck!