RAMFX Fees and Costs — Short-Term Bond Fund of America, Class R-5
Data updated: 2026-07-29
The net expense ratio is 0.34%: a 0.25% management fee plus 0.09% other expenses. There are no sales loads or redemption fees. Portfolio turnover was 116%.
RAMFX Fees and Expenses
Annual operating expenses and sales charges of RAMFX. Prospectus, as of October 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.25% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.09% |
| Gross expense ratio | 0.34% |
| Fee waiver | — |
| Net expense ratio | 0.34% |
| 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 |
RAMFX Costs Over Time
On $10,000 invested in RAMFX, assuming 5% a year before costs, total costs come to $215 over 5 years, cutting the return by 0.36% 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 0.34%) | $36 | $112 | $196 |
| Lost growth on money paid in costs | $0 | $6 | $20 |
| Total costs | $36 | $118 | $215 |
| Value after costs | $10,464 | $11,459 | $12,547 |
| Impact on return, per year | 0.36% | 0.36% | 0.36% |
RAMFX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending August 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): —
- Total broker commissions: —
- Bought from dealers (principal trades, not a cost): $48.2B
- Portfolio turnover (prospectus): 116%
- Securities lending: none during the year
RAMFX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Bank of America, N.A. | $8.5B | 19.04% |
| Deutsche Bank A.G. | $7.0B | 15.69% |
| Morgan Stanley & Co. LLC | $6.1B | 13.64% |
| Citigroup Global Markets Inc. | $5.1B | 11.33% |
| J.P. Morgan Securities LLC | $4.9B | 10.90% |
| Goldman Sachs & Co. LLC | $3.6B | 8.02% |
| BNP Paribas | $3.3B | 7.44% |
| Wells Fargo Securities, LLC | $2.8B | 6.26% |
| Barclays Bank PLC | $2.6B | 5.88% |
| Mizuho Bank, Ltd. | $811.8M | 1.81% |
Short-Term Bond Fund of America Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| FSBTX | Class F-3 | 0.29% | none |
| RMMGX | Class R-6 | 0.29% | none |
| FFTSX | Class 529-F-3 | 0.34% | none |
| RAMFX | Class R-5 | 0.34% | none |
| FTSBX | Class 529-F-2 | 0.39% | none |
| SBFFX | Class F-2 | 0.40% | none |
| RAAGX | Class R-5E | 0.44% | none |
| RAMEX | Class R-4 | 0.62% | none |
| TSTBX | Class T | 0.62% | 2.50% |
| CAAFX | Class 529-A | 0.66% | 2.50% |
| ASBFX | Class F-1 | 0.67% | none |
| TTSBX | Class 529-T | 0.67% | 2.50% |
| ASBAX | Class A | 0.68% | 2.50% |
| CFAMX | Class 529-F-1 | 0.72% | none |
| CEAMX | Class 529-E | 0.87% | none |
| RAMCX | Class R-3 | 0.92% | none |
| RAAEX | Class R-2E | 1.03% | none |
| RAMBX | Class R-2 | 1.35% | none |
| ASBCX | Class C | 1.38% | none |
| RAMAX | Class R-1 | 1.38% | none |
| CCAMX | Class 529-C | 1.43% | 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.