Normally you would balance the boat (all gear aboard) with the keelbulb on the fin so that the transom at the stern and the turn at the bow are just barely touching the water. It is kind of a balancing act, getting the right amount of weight and the right position. Too little weight and the waterline will be too short and speed will suffer, too much and there will be too much drag from the bow and stern slowing the boat down.

Steve