To receive a reduced fee on mutual funds by combining fees from multiple transactions across several funds. In most cases fees for mutual funds are reduced when the investor makes a certain dollar amount contribution into their account, meaning that there is a minimum investment amount that must first be met to get a discount. Investors can reach the minimum contribution amount by combining multiple accounts within the same family instead of investing all funds into just one fund. Additionally, fees many also be reduced when an investment amount is met over a certain time period by making smaller contributions.