C000020988 Fees and Costs — VIP Overseas Portfolio, Investor Class
Data updated: 2026-08-24
The net expense ratio is 0.80%: a 0.78% management fee plus 0.02% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $1.6M in broker commissions, 0.0774% of average net assets, and portfolio turnover was 50%.
C000020988 Fees and Expenses
Annual operating expenses and sales charges of C000020988. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.78% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.02% |
| Gross expense ratio | 0.80% |
| Fee waiver | — |
| Net expense ratio | 0.80% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | No |
C000020988 Costs Over Time
On $10,000 invested in C000020988, assuming 5% a year before costs, total costs come to $550 over 5 years, cutting the return by 0.92% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 0.80%) | $84 | $262 | $456 |
| Trading costs (broker commissions) | $8 | $25 | $44 |
| Lost growth on money paid in costs | $0 | $14 | $50 |
| Total costs | $92 | $302 | $550 |
| Value after costs | $10,408 | $11,274 | $12,213 |
| Impact on return, per year | 0.92% | 0.92% | 0.92% |
C000020988 Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending December 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0774%
- Total broker commissions: $1.6M
- Bought from dealers (principal trades, not a cost): —
- Portfolio turnover (prospectus): 50%
- Securities on loan, average value: $3.9M
- Net income from securities lending: $44K (0.002% of average net assets)
C000020988 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| UBS GROUP AG | $276K | 18.02% |
| JPMORGAN CHASE and CO | $245K | 15.99% |
| GOLDMAN SACHS GROUP INC (THE) | $243K | 15.87% |
| BANK OF AMERICA CORPORATION | $213K | 13.89% |
| MORGAN STANLEY | $174K | 11.31% |
| JEFFERIES FINANCIAL GROUP INC | $124K | 8.08% |
| CITIGROUP INC | $112K | 7.29% |
| TP ICAP GROUP PLC | $61K | 3.94% |
| BNP PARIBAS | $46K | 3.01% |
| VIRTU FINANCIAL INC | $40K | 2.59% |
VIP Overseas Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000020986 | Initial Class | 0.72% | — |
| C000020988 | Investor Class | 0.80% | — |
| C000020989 | Service Class | 0.82% | — |
| QVO2Q | Service Class 2 | 0.97% | — |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.