C000021040 Fees and Costs — VIP Growth Opportunities Portfolio, Service Class
Data updated: 2026-08-24
The net expense ratio is 0.66%: a 0.55% management fee, a 0.10% 12b-1 fee plus 0.01% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $527K in broker commissions, 0.0127% of average net assets, and portfolio turnover was 71%.
C000021040 Fees and Expenses
Annual operating expenses and sales charges of C000021040. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.55% |
| 12b-1 fee | 0.10% |
| Other expenses | 0.01% |
| Gross expense ratio | 0.66% |
| Fee waiver | — |
| Net expense ratio | 0.66% |
| 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 |
C000021040 Costs Over Time
On $10,000 invested in C000021040, assuming 5% a year before costs, total costs come to $424 over 5 years, cutting the return by 0.71% 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 0.66%) | $69 | $217 | $378 |
| Trading costs (broker commissions) | $1 | $4 | $7 |
| Lost growth on money paid in costs | $0 | $11 | $39 |
| Total costs | $71 | $232 | $424 |
| Value after costs | $10,429 | $11,344 | $12,339 |
| Impact on return, per year | 0.71% | 0.71% | 0.71% |
C000021040 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): 0.0127%
- Total broker commissions: $527K
- Bought from dealers (principal trades, not a cost): $20.6M
- Portfolio turnover (prospectus): 71%
- Securities on loan, average value: $16.1M
- Net income from securities lending: $479K (0.012% of average net assets)
C000021040 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| GOLDMAN SACHS GROUP INC (THE) | $84K | 19.68% |
| MORGAN STANLEY | $64K | 14.91% |
| JPMORGAN CHASE and CO | $62K | 14.55% |
| BANK OF AMERICA CORPORATION | $62K | 14.54% |
| CITIGROUP INC | $47K | 11.11% |
| UBS GROUP AG | $34K | 7.85% |
| BARCLAYS PLC | $27K | 6.40% |
| JEFFERIES FINANCIAL GROUP INC | $17K | 3.87% |
| VIRTU FINANCIAL INC | $16K | 3.81% |
| BNP PARIBAS | $14K | 3.30% |
C000021040 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| THE TORONTO DOMINION BANK | $7.7M | 37.42% |
| GOLDMAN SACHS GROUP INC (THE) | $4.7M | 22.85% |
| MORGAN STANLEY | $2.5M | 12.15% |
| CITIGROUP INC | $2.1M | 9.98% |
| BARCLAYS PLC | $1.8M | 8.70% |
| JPMORGAN CHASE and CO | $964K | 4.68% |
| JEFFERIES FINANCIAL GROUP INC | $871K | 4.23% |
VIP Growth Opportunities Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000021038 | Initial Class | 0.56% | — |
| C000021039 | Investor Class | 0.64% | — |
| C000021040 | Service Class | 0.66% | — |
| C000021041 | Service Class 2 | 0.81% | — |
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.