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A big reason for last year's drop in expense ratios was how well the stock market performed. The Standard & Poor's 500 index returned 32.4%, including dividends, for its best year since 1997. The surging prices meant mutual funds suddenly had more assets. That gave funds a larger base over which to spread their expenses, many of which are fixed. Funds typically have policies that dictate they'll charge a lower fee rate once their total assets top a certain threshold. Read More To Apply Now PAYDAY LOANS UK Apply for payday loans UK, fast cash advance, no faxing and credit check required borrow money up to ÂŁ1000 sameday These new loans can be availed very easily as the criteria as well as the procedure laid down by the company is quite simple. Anyone interested to avail these loans for bad credit can log on to the guaranteedcreditloans.com and fill up simple details in the form and submit it to the company. The information asked for by the company is very basic and it does not require the borrower to divulge complex or very confidential data.