SFPCX Fees and Costs — Saratoga Financial Services Portfolio, Financial Services Class C
Data updated: 2026-01-28
The net expense ratio is 4.88%: a 1.25% management fee, a 1.00% 12b-1 fee plus 2.63% other expenses. This share class carries a deferred sales charge of up to 1.00%. In fiscal 2025 the fund paid $62 in broker commissions, 0.0044% of average net assets, and portfolio turnover was 32%.
SFPCX Fees and Expenses
Annual operating expenses and sales charges of SFPCX. Prospectus, as of December 31, 2024.
| Annual operating expenses | |
|---|---|
| Management fee | 1.25% |
| 12b-1 fee | 1.00% |
| Other expenses | 2.63% |
| Gross expense ratio | 4.88% |
| Fee waiver | — |
| Net expense ratio | 4.88% |
| Sales charges | |
|---|---|
| Max front load | 0.00% |
| Max deferred load | 1.00% |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | Yes |
SFPCX Costs Over Time
On $10,000 invested in SFPCX, assuming 5% a year before costs, total costs come to $2,827 over 5 years, cutting the return by 5.13% 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 |
| Sales charges | $100 | $0 | $0 |
| Fund expenses (net expense ratio 4.88%) | $512 | $1,535 | $2,555 |
| Trading costs (broker commissions) | $0 | $1 | $2 |
| Lost growth on money paid in costs | $0 | $78 | $269 |
| Total costs | $613 | $1,615 | $2,827 |
| Value after costs | $9,887 | $9,961 | $9,936 |
| Impact on return, per year | 6.13% | 5.13% | 5.13% |
SFPCX 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): 0.0044%
- Total broker commissions: $62
- Bought from dealers (principal trades, not a cost): —
- Portfolio turnover (prospectus): 32%
- Securities lending: none during the year
SFPCX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Instinet, Inc. | $62 | 100.00% |
Saratoga Financial Services Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| SFPIX | Financial Services Class I | 3.88% | none |
| SFPAX | Financial Services Class A | 4.23% | 5.75% |
| SFPCX | Financial Services Class C | 4.88% | 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.