RGOFX Fees and Costs — American Funds Conservative Growth and Income Portfolio, Class R-5E
Data updated: 2026-09-28
The net expense ratio is 0.46%. There are no sales loads or redemption fees. Portfolio turnover was 1%.
RGOFX Fees and Expenses
Annual operating expenses and sales charges of RGOFX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.00% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.16% |
| Gross expense ratio | 0.46% |
| Fee waiver | — |
| Net expense ratio | 0.46% |
| Sales charges | |
|---|---|
| Max front load | 0.00% |
| Max deferred load | 0.00% |
| Redemption fee | 0.00% |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
RGOFX Costs Over Time
On $10,000 invested in RGOFX, assuming 5% a year before costs, total costs come to $291 over 5 years, cutting the return by 0.48% 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 0.46%) | $48 | $152 | $264 |
| Lost growth on money paid in costs | $0 | $7 | $27 |
| Total costs | $48 | $159 | $291 |
| Value after costs | $10,452 | $11,417 | $12,472 |
| Impact on return, per year | 0.48% | 0.48% | 0.48% |
RGOFX 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): —
- Total broker commissions: —
- Bought from dealers (principal trades, not a cost): —
- Portfolio turnover (prospectus): 1%
- Securities lending: none during the year
American Funds Conservative 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 |
|---|---|---|---|
| INPDX | Class F-3 | 0.31% | none |
| RINGX | Class R-6 | 0.31% | none |
| CIQGX | Class ABLE-F-2 | 0.33% | none |
| FPTPX | Class 529-F-3 | 0.36% | none |
| RINFX | Class R-5 | 0.36% | none |
| FTPPX | Class 529-F-2 | 0.40% | none |
| INPEX | Class F-2 | 0.41% | none |
| RGOFX | Class R-5E | 0.46% | none |
| CIPGX | Class ABLE-A | 0.54% | 3.50% |
| TTPPX | Class T | 0.60% | 2.50% |
| INPAX | Class A | 0.62% | 5.75% |
| CIPAX | Class 529-A | 0.63% | 3.50% |
| RINEX | Class R-4 | 0.64% | none |
| TPTPX | Class 529-T | 0.65% | 2.50% |
| INPFX | Class F-1 | 0.66% | none |
| CIPFX | Class 529-F-1 | 0.71% | none |
| CIPEX | Class 529-E | 0.88% | none |
| RNCCX | Class R-3 | 0.94% | none |
| RNBEX | Class R-2E | 1.09% | none |
| INPCX | Class C | 1.35% | none |
| RNCAX | Class R-1 | 1.37% | none |
| RINBX | Class R-2 | 1.39% | none |
| CIPCX | Class 529-C | 1.40% | 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.