C000237871 Fees and Costs — Goldman Sachs Variable Insurance Trust Buffered S&P 500 Fund - Jan/Jul, Service Shares
Data updated: 2026-08-26
The net expense ratio is 0.99% (5.11% before fee waivers). There are no sales loads or redemption fees. In fiscal 2025 the fund paid $212 in broker commissions, 0.0028% of average net assets, and portfolio turnover was 9%.
C000237871 Fees and Expenses
Annual operating expenses and sales charges of C000237871. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.50% |
| 12b-1 fee | 0.25% |
| Other expenses | 4.31% |
| Gross expense ratio | 5.11% |
| Fee waiver | −4.12% |
| Net expense ratio | 0.99% |
| 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 | Yes |
C000237871 Costs Over Time
On $10,000 invested in C000237871, assuming 5% a year before costs, total costs come to $621 over 5 years, cutting the return by 1.04% 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 0.99%) | $104 | $324 | $563 |
| Trading costs (broker commissions) | $0 | $1 | $2 |
| Lost growth on money paid in costs | $0 | $16 | $57 |
| Total costs | $104 | $341 | $621 |
| Value after costs | $10,396 | $11,235 | $12,142 |
| Impact on return, per year | 1.04% | 1.04% | 1.04% |
C000237871 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): 0.0028%
- Total broker commissions: $212
- Bought from dealers (principal trades, not a cost): $12.1M
- Portfolio turnover (prospectus): 9%
- Securities lending: none during the year
C000237871 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| UBS AG | $73 | 34.54% |
| BNP PARIBAS | $72 | 33.98% |
| BARCLAYS CAPITAL, INC. | $49 | 22.94% |
| MORGAN STANLEY & CO. LLC | $17 | 7.95% |
| INSTINET, LLC | $1 | 0.47% |
| UBS Securities LLC | $0 | 0.12% |
C000237871 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| BMO NESBITT BURNS INC. | $3.2M | 26.74% |
| WELLS FARGO SECURITIES, LLC | $2.4M | 20.21% |
| BARCLAYS CAPITAL, INC. | $1.9M | 15.98% |
| CitiGroup Global Markets Inc. | $1.5M | 12.15% |
| NOMURA SECURITIES INTERNATIONAL, INC. | $1.4M | 11.30% |
| MORGAN STANLEY & CO. LLC | $728K | 6.07% |
| J.P. Morgan Securities LLC | $264K | 2.21% |
| R. SEELAUS & CO., LLC | $262K | 2.19% |
| RBC CAPITAL MARKETS, LLC | $246K | 2.06% |
| DREXEL HAMILTON, LLC | $132K | 1.10% |
Goldman Sachs Variable Insurance Trust Buffered S&P 500 Fund - Jan/Jul Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000237872 | Institutional Shares | 0.74% | — |
| C000237871 | Service Shares | 0.99% | — |
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.