Maybe what Boz was getting at is the terminology of "no load" versus "load-waived" but they are not exactly the same thing, as a true no-load would have no fees at all.
Well, since you have an IRA set up you could roll it over into something else and continue to defer the tax. Again, that's not really my area of expertise. I know how to lower taxes on trading, but part of what is involved there is bypassing the wash sale rule and deducting all the expenses possible against the trading, including the research and equipment costs. As far as my long terms, I don't sell, not for some years anyway, that's how I deal with the taxes there.
I have never owned a mutual fund, I just know that back when I was considering putting money into one, the research I did was first make sure it was no load, and secondly research to see which no load funds had done best in the past. A person certainly could have done a whole lot worse than putting all his money into a mutual fund for the past years.
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