For investment funds such as the Franklin Technology Fund, there are different kinds of charges and fees. How do I calculate my returns if I were to sell the fund?

Yes, you are right, sales charge could be less than the stated max.

but did you get those figures from the fund fact sheet or from your broker? For me, the figures in fact sheet are important for me to decide whether the fund managers are efficient, or over charging, but these are immaterial to the investor as these figures will be accounted for in the bid/ask price.

to calculate the returns, you should look at your investment account and see the net liquidating value, or total assets, or similar. it should have taken into account any fees charged by your broker (your broker should have sent you invoices regurlaly or they would sold a portion of your units, or they withheld some dividends as their fees).

hope this is not too confusing.