CIBFX Fees and Costs — Capital Income Builder, Class F-1
Data updated: 2026-09-28
The net expense ratio is 0.64%: a 0.22% management fee, a 0.25% 12b-1 fee plus 0.17% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $21.4M in broker commissions, 0.0191% of average net assets, and portfolio turnover was 45%.
CIBFX Fees and Expenses
Annual operating expenses and sales charges of CIBFX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.22% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.17% |
| Gross expense ratio | 0.64% |
| Fee waiver | — |
| Net expense ratio | 0.64% |
| Sales charges | |
|---|---|
| Max front load | 0.00% |
| Max deferred load | 0.00% |
| Redemption fee | 0.00% |
| Expense limitation in place (N-CEN) | No |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | No |
CIBFX Costs Over Time
On $10,000 invested in CIBFX, assuming 5% a year before costs, total costs come to $415 over 5 years, cutting the return by 0.69% 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 0.64%) | $67 | $210 | $366 |
| Trading costs (broker commissions) | $2 | $6 | $11 |
| Lost growth on money paid in costs | $0 | $11 | $38 |
| Total costs | $69 | $227 | $415 |
| Value after costs | $10,431 | $11,349 | $12,348 |
| Impact on return, per year | 0.69% | 0.69% | 0.69% |
CIBFX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending October 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0191%
- Total broker commissions: $21.4M
- Bought from dealers (principal trades, not a cost): $49.7B
- Portfolio turnover (prospectus): 45%
- Securities on loan, average value: $404.6M
- Net income from securities lending: $5.7M (0.005% of average net assets)
CIBFX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Morgan Stanley & Co. LLC | $2.4M | 16.20% |
| Bank of America, N.A. | $1.9M | 12.73% |
| J.P. Morgan Securities LLC | $1.8M | 12.53% |
| Goldman Sachs & Co. LLC | $1.8M | 12.47% |
| UBS AG | $1.8M | 12.36% |
| Jefferies & Company Inc. | $1.4M | 9.92% |
| Citigroup Global Markets Inc. | $1.1M | 7.20% |
| RBC Capital Markets LLC | $901K | 6.17% |
| TD Securities (USA) | $789K | 5.40% |
| Barclays Bank PLC | $730K | 5.00% |
CIBFX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Morgan Stanley & Co. LLC | $9.3B | 19.62% |
| Bank of America, N.A. | $7.7B | 16.24% |
| J.P. Morgan Securities LLC | $6.2B | 13.05% |
| Citigroup Global Markets Inc. | $6.1B | 12.81% |
| Wells Fargo Securities, LLC | $5.7B | 12.00% |
| Barclays Bank PLC | $4.4B | 9.20% |
| Goldman Sachs & Co. LLC | $3.8B | 8.01% |
| Mizuho Bank, Ltd. | $2.0B | 4.11% |
| BNP Paribas | $1.4B | 2.86% |
| Deutsche Bank A.G. | $993.0M | 2.09% |
Capital Income Builder Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| CFIHX | Class F-3 | 0.26% | none |
| RIRGX | Class R-6 | 0.26% | none |
| RIRFX | Class R-5 | 0.30% | none |
| FWCBX | Class 529-F-3 | 0.31% | none |
| FBCIX | Class 529-F-2 | 0.35% | none |
| CAIFX | Class F-2 | 0.37% | none |
| RIRHX | Class R-5E | 0.41% | none |
| TCIBX | Class T | 0.57% | 2.50% |
| CAIBX | Class A | 0.58% | 5.75% |
| CIRAX | Class 529-A | 0.60% | 3.50% |
| RIREX | Class R-4 | 0.61% | none |
| TCBBX | Class 529-T | 0.62% | 2.50% |
| CIBFX | Class F-1 | 0.64% | none |
| CIRFX | Class 529-F-1 | 0.69% | none |
| CIREX | Class 529-E | 0.84% | none |
| RIRCX | Class R-3 | 0.91% | none |
| RCEEX | Class R-2E | 1.06% | none |
| CIBCX | Class C | 1.33% | none |
| RIRAX | Class R-1 | 1.35% | none |
| RIRBX | Class R-2 | 1.35% | none |
| CIRCX | Class 529-C | 1.37% | none |
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.