Average annual fees on stock mutual funds fell 4% in 2005, according to the Investment Company Institute. The outrage? Some funds still charge two or three times more than similar funds do.

30. Index funds: You're being overcharged if you pay more than 0.25% for an S&P 500 index fund.

31. Large U.S. stock funds: The fee for actively managed stock funds should also be relatively low, and yet many funds routinely charge more than 1.5%.

32. Target-date retirement funds: These popular new savings vehicles often layer fees on top of the fees for the underlying stock and bond funds. These funds are meant to be your entire portfolio, so that's especially damaging. "It's imperative to get one cheap or you'll jeopardize your retirement date," notes Russ Kinnel, director of fund research at Morningstar.