SSGUX Fees and Costs — State Street Target Retirement 2070 Fund, Class R3
Data updated: 2026-08-28
The net expense ratio is 0.59% (1.45% before fee waivers). There are no sales loads or redemption fees. In fiscal 2025 the fund paid $2K in broker commissions, 0.0057% of average net assets, and portfolio turnover was 7%.
SSGUX Fees and Expenses
Annual operating expenses and sales charges of SSGUX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.05% |
| 12b-1 fee | 0.25% |
| Other expenses | 1.12% |
| Gross expense ratio | 1.45% |
| Fee waiver | −0.86% |
| Net expense ratio | 0.59% |
| Sales charges | |
|---|---|
| Max front load | 0.00% |
| Max deferred load | 0.00% |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
SSGUX Costs Over Time
On $10,000 invested in SSGUX, assuming 5% a year before costs, total costs come to $376 over 5 years, cutting the return by 0.63% 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 0.59%) | $62 | $194 | $338 |
| Trading costs (broker commissions) | $1 | $2 | $3 |
| Lost growth on money paid in costs | $0 | $10 | $34 |
| Total costs | $63 | $206 | $376 |
| Value after costs | $10,437 | $11,371 | $12,387 |
| Impact on return, per year | 0.63% | 0.63% | 0.63% |
SSGUX 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): 0.0057%
- Total broker commissions: $2K
- Bought from dealers (principal trades, not a cost): $99.7M
- Portfolio turnover (prospectus): 7%
- Securities on loan, average value: $0
- Net income from securities lending: $46 (0.000% of average net assets)
SSGUX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $1K | 69.99% |
| Jane Street Execution Services, LLC | $274 | 15.35% |
| Citadel Securities LLC | $192 | 10.78% |
| Nomura Securities International, Inc. | $23 | 1.27% |
| UBS Securities LLC | $21 | 1.18% |
| J.P. Morgan Securities LLC | $10 | 0.56% |
| Goldman Sachs & Co. LLC | $7 | 0.38% |
| Fidelity Brokerage Services LLC | $6 | 0.31% |
| Sanford C. Bernstein & Co., LLC | $2 | 0.12% |
| Virtu Americas LLC | $1 | 0.07% |
SSGUX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $99.7M | 100.00% |
State Street Target Retirement 2070 Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| SSGNX | Class K | 0.09% | none |
| SSGQX | Class I | 0.29% | none |
| SSGUX | Class R3 | 0.59% | 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.