QGI2Q Fees and Costs — VIP Growth and Income Portfolio, Service Class 2
Data updated: 2026-08-24
The net expense ratio is 0.72%: a 0.47% management fee plus a 0.25% 12b-1 fee. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $191K in broker commissions, 0.0074% of average net assets, and portfolio turnover was 17%.
QGI2Q Fees and Expenses
Annual operating expenses and sales charges of QGI2Q. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.47% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.00% |
| Gross expense ratio | 0.72% |
| Fee waiver | — |
| Net expense ratio | 0.72% |
| 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 |
QGI2Q Costs Over Time
On $10,000 invested in QGI2Q, assuming 5% a year before costs, total costs come to $457 over 5 years, cutting the return by 0.76% 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 0.72%) | $76 | $237 | $411 |
| Trading costs (broker commissions) | $1 | $2 | $4 |
| Lost growth on money paid in costs | $0 | $12 | $42 |
| Total costs | $76 | $251 | $457 |
| Value after costs | $10,424 | $11,325 | $12,305 |
| Impact on return, per year | 0.76% | 0.76% | 0.76% |
QGI2Q 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): 0.0074%
- Total broker commissions: $191K
- Bought from dealers (principal trades, not a cost): $35.0M
- Portfolio turnover (prospectus): 17%
- Securities on loan, average value: $36.8M
- Net income from securities lending: $132K (0.005% of average net assets)
QGI2Q Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| GOLDMAN SACHS GROUP INC (THE) | $28K | 18.05% |
| MORGAN STANLEY | $23K | 15.10% |
| UBS GROUP AG | $22K | 14.27% |
| BANK OF AMERICA CORPORATION | $21K | 13.67% |
| CITIGROUP INC | $20K | 12.90% |
| JPMORGAN CHASE and CO | $10K | 6.71% |
| BARCLAYS PLC | $9K | 5.64% |
| ROYAL BANK OF CANADA | $7K | 4.75% |
| JEFFERIES FINANCIAL GROUP INC | $7K | 4.71% |
| VIRTU FINANCIAL INC | $6K | 4.21% |
QGI2Q Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| JPMORGAN CHASE and CO | $9.7M | 27.59% |
| MORGAN STANLEY | $7.8M | 22.43% |
| GOLDMAN SACHS GROUP INC (THE) | $6.8M | 19.45% |
| WELLS FARGO and CO | $5.0M | 14.40% |
| THE TORONTO DOMINION BANK | $3.0M | 8.45% |
| NOMURA HOLDINGS INC | $1.9M | 5.32% |
| BANK OF MONTREAL QUE | $824K | 2.36% |
VIP Growth and Income Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| C000021034 | Initial Class | 0.47% | — |
| C000021035 | Investor Class | 0.55% | — |
| C000021036 | Service Class | 0.57% | — |
| QGI2Q | Service Class 2 | 0.72% | — |
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.