C000128922 Fees and Costs — Goldman Sachs Variable Insurance Trust Core Fixed Income Fund, Institutional Class
Data updated: 2026-08-26
The net expense ratio is 0.42%: a 0.40% management fee plus 0.19% other expenses, less a 0.18% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $18K in broker commissions, 0.0094% of average net assets, and portfolio turnover was 574%.
C000128922 Fees and Expenses
Annual operating expenses and sales charges of C000128922. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.40% |
| 12b-1 fee | — |
| Other expenses | 0.19% |
| Gross expense ratio | 0.60% |
| Fee waiver | −0.18% |
| Net expense ratio | 0.42% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
C000128922 Costs Over Time
On $10,000 invested in C000128922, assuming 5% a year before costs, total costs come to $272 over 5 years, cutting the return by 0.45% 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 0.42%) | $44 | $138 | $241 |
| Trading costs (broker commissions) | $1 | $3 | $5 |
| Lost growth on money paid in costs | $0 | $7 | $25 |
| Total costs | $45 | $148 | $272 |
| Value after costs | $10,455 | $11,428 | $12,491 |
| Impact on return, per year | 0.45% | 0.45% | 0.45% |
C000128922 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): 0.0094%
- Total broker commissions: $18K
- Bought from dealers (principal trades, not a cost): $5.0B
- Portfolio turnover (prospectus): 574%
- Securities lending: none during the year
C000128922 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| CitiGroup Global Markets Inc. | $12K | 65.92% |
| J.P. MORGAN SECURITIES PLC | $3K | 16.05% |
| MORGAN STANLEY & CO. LLC | $2K | 11.24% |
| BOFA SECURITIES, INC. | $703 | 3.99% |
| BARCLAYS CAPITAL, INC. | $229 | 1.30% |
| BARCLAYS BANK PLC | $92 | 0.52% |
| DEUTSCHE BANK AG-LONDON BRANCH | $83 | 0.47% |
| MERRILL LYNCH INTERNATIONAL | $46 | 0.26% |
| CITIGROUP GLOBAL MARKETS LIMITED | $28 | 0.16% |
| UBS AG | $17 | 0.09% |
C000128922 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| MORGAN STANLEY & CO. LLC | $740.9M | 17.17% |
| BOFA SECURITIES, INC. | $668.6M | 15.49% |
| BNP PARIBAS | $664.0M | 15.39% |
| MORGAN STANLEY & CO. INTERNATIONAL PLC | $566.6M | 13.13% |
| J.P. Morgan Securities LLC | $432.1M | 10.01% |
| JPMorgan Chase Bank, National Association | $379.4M | 8.79% |
| BARCLAYS BANK PLC | $293.5M | 6.80% |
| MERRILL LYNCH INTERNATIONAL | $238.1M | 5.52% |
| Deutsche Bank Aktiengesellschaft | $212.3M | 4.92% |
| Citibank, National Association | $119.9M | 2.78% |
Goldman Sachs Variable Insurance Trust Core Fixed Income Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000128922 | Institutional Class | 0.42% | — |
| C000025636 | Service Class | 0.67% | — |
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.