C000021031 Fees and Costs — VIP Dynamic Capital Appreciation Portfolio, Investor Class
Data updated: 2026-08-24
The net expense ratio is 0.81%. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $90K in broker commissions, 0.0325% of average net assets, and portfolio turnover was 90%.
C000021031 Fees and Expenses
Annual operating expenses and sales charges of C000021031. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.66% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.03% |
| Gross expense ratio | 0.81% |
| Fee waiver | — |
| Net expense ratio | 0.81% |
| 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 |
C000021031 Costs Over Time
On $10,000 invested in C000021031, assuming 5% a year before costs, total costs come to $529 over 5 years, cutting the return by 0.88% 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 0.81%) | $85 | $266 | $462 |
| Trading costs (broker commissions) | $3 | $11 | $19 |
| Lost growth on money paid in costs | $0 | $14 | $48 |
| Total costs | $88 | $290 | $529 |
| Value after costs | $10,412 | $11,286 | $12,234 |
| Impact on return, per year | 0.88% | 0.88% | 0.88% |
C000021031 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): 0.0325%
- Total broker commissions: $90K
- Bought from dealers (principal trades, not a cost): $381K
- Portfolio turnover (prospectus): 90%
- Securities on loan, average value: $2.8M
- Net income from securities lending: $53K (0.019% of average net assets)
C000021031 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| JPMORGAN CHASE and CO | $15K | 21.41% |
| BANK OF AMERICA CORPORATION | $10K | 14.26% |
| GOLDMAN SACHS GROUP INC (THE) | $10K | 13.58% |
| MORGAN STANLEY | $10K | 13.53% |
| UBS GROUP AG | $7K | 9.72% |
| JEFFERIES FINANCIAL GROUP INC | $5K | 7.18% |
| CITIGROUP INC | $5K | 6.80% |
| BARCLAYS PLC | $4K | 5.41% |
| ROYAL BANK OF CANADA | $3K | 4.11% |
| VIRTU FINANCIAL INC | $3K | 3.99% |
C000021031 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| JPMORGAN CHASE and CO | $330K | 86.70% |
| MORGAN STANLEY | $38K | 10.05% |
| CITIGROUP INC | $12K | 3.25% |
VIP Dynamic Capital Appreciation Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000021030 | Initial Class | 0.73% | — |
| C000021031 | Investor Class | 0.81% | — |
| C000021032 | Service Class | 0.83% | — |
| C000021033 | Service Class 2 | 0.98% | — |
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.