C000021028 Fees and Costs — VIP Balanced Portfolio, Service Class
Data updated: 2026-08-24
The net expense ratio is 0.51%: a 0.41% management fee plus a 0.10% 12b-1 fee. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $1.1M in broker commissions, 0.0135% of average net assets, and portfolio turnover was 38%.
C000021028 Fees and Expenses
Annual operating expenses and sales charges of C000021028. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.41% |
| 12b-1 fee | 0.10% |
| Other expenses | 0.00% |
| Gross expense ratio | 0.51% |
| Fee waiver | — |
| Net expense ratio | 0.51% |
| 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 |
C000021028 Costs Over Time
On $10,000 invested in C000021028, assuming 5% a year before costs, total costs come to $331 over 5 years, cutting the return by 0.55% 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 0.51%) | $54 | $168 | $293 |
| Trading costs (broker commissions) | $1 | $4 | $8 |
| Lost growth on money paid in costs | $0 | $9 | $30 |
| Total costs | $55 | $181 | $331 |
| Value after costs | $10,445 | $11,395 | $12,432 |
| Impact on return, per year | 0.55% | 0.55% | 0.55% |
C000021028 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): 0.0135%
- Total broker commissions: $1.1M
- Bought from dealers (principal trades, not a cost): $48.2M
- Portfolio turnover (prospectus): 38%
- Securities on loan, average value: $2.3M
- Net income from securities lending: $14K (0.000% of average net assets)
C000021028 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| JPMORGAN CHASE and CO | $167K | 19.59% |
| GOLDMAN SACHS GROUP INC (THE) | $119K | 14.00% |
| BANK OF AMERICA CORPORATION | $118K | 13.89% |
| MORGAN STANLEY | $102K | 12.01% |
| UBS GROUP AG | $88K | 10.34% |
| CITIGROUP INC | $80K | 9.46% |
| BARCLAYS PLC | $62K | 7.25% |
| JEFFERIES FINANCIAL GROUP INC | $43K | 5.03% |
| ROYAL BANK OF CANADA | $41K | 4.85% |
| VIRTU FINANCIAL INC | $30K | 3.58% |
C000021028 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| THE TORONTO DOMINION BANK | $6.9M | 15.37% |
| NOMURA HOLDINGS INC | $6.4M | 14.34% |
| GOLDMAN SACHS GROUP INC (THE) | $6.1M | 13.64% |
| JPMORGAN CHASE and CO | $4.4M | 9.84% |
| MORGAN STANLEY | $4.1M | 9.22% |
| BANK OF AMERICA CORPORATION | $3.8M | 8.39% |
| WELLS FARGO and CO | $3.4M | 7.64% |
| CITIGROUP INC | $3.3M | 7.36% |
| BANK OF MONTREAL QUE | $3.2M | 7.16% |
| JEFFERIES FINANCIAL GROUP INC | $3.1M | 7.04% |
VIP Balanced Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000021026 | Initial Class | 0.41% | — |
| C000021027 | Investor Class | 0.49% | — |
| C000021028 | Service Class | 0.51% | — |
| QBA2Q | Service Class 2 | 0.66% | — |
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.