C000176248 Fees and Costs — International Growth and Income Fund, Class 1A
Data updated: 2026-08-27
The net expense ratio is 0.81%: a 0.48% management fee plus 0.33% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $197K in broker commissions, 0.0522% of average net assets, and portfolio turnover was 48%.
C000176248 Fees and Expenses
Annual operating expenses and sales charges of C000176248. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.48% |
| 12b-1 fee | — |
| Other expenses | 0.33% |
| 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) | No |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | No |
C000176248 Costs Over Time
On $10,000 invested in C000176248, assuming 5% a year before costs, total costs come to $541 over 5 years, cutting the return by 0.91% 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) | $5 | $17 | $30 |
| Lost growth on money paid in costs | $0 | $14 | $50 |
| Total costs | $91 | $297 | $541 |
| Value after costs | $10,409 | $11,279 | $12,222 |
| Impact on return, per year | 0.91% | 0.91% | 0.91% |
C000176248 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): 0.0522%
- Total broker commissions: $197K
- Bought from dealers (principal trades, not a cost): $2.3M
- Portfolio turnover (prospectus): 48%
- Securities on loan, average value: $840K
- Net income from securities lending: $9K (0.002% of average net assets)
C000176248 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $22K | 16.44% |
| J.P. Morgan Securities LLC | $21K | 15.28% |
| Jefferies & Company Inc. | $17K | 12.82% |
| UBS AG | $17K | 12.36% |
| Morgan Stanley & Co. LLC | $16K | 11.66% |
| Citigroup Global Markets Inc. | $11K | 8.27% |
| Bank of America, N.A. | $10K | 7.69% |
| TD Securities (USA) | $7K | 5.46% |
| RBC Capital Markets LLC | $7K | 5.39% |
| Barclays Bank PLC | $6K | 4.62% |
C000176248 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Morgan Stanley & Co. LLC | $882K | 38.67% |
| Goldman Sachs & Co. LLC | $640K | 28.06% |
| J.P. Morgan Securities LLC | $371K | 16.29% |
| Jefferies & Company Inc. | $214K | 9.38% |
| Citigroup Global Markets Inc. | $109K | 4.79% |
| Bank of America, N.A. | $64K | 2.82% |
| Virtu Americas LLC | $8 | 0.00% |
International Growth and 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 |
|---|---|---|---|
| C000068980 | Class 1 | 0.56% | — |
| C000068981 | Class 2 | 0.81% | — |
| C000176248 | Class 1A | 0.81% | — |
| C000121516 | Class 4 | 1.06% | — |
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.