Here’s how investors can find out, although Dave might not tell them this. This area of the market was one of the worst during the to bear market. One of the most fundamental aspects of asset allocation is to have more than one asset type. In his investment philosophy, Dave says to use Class A shares loaded funds , which means the investor pays commissions to a broker or investment adviser in an IRA or brokerage account. Dave is taken to task on these issues by financial professionals for a variety of reasons.