SWC1Z Fees and Costs — Schwab VIT Balanced with Growth Portfolio
Data updated: 2026-08-25
The net expense ratio is 0.54%. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $15K in broker commissions, 0.0086% of average net assets.
SWC1Z Fees and Expenses
Annual operating expenses and sales charges of SWC1Z. Prospectus, as of April 30, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.45% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.04% |
| Gross expense ratio | — |
| Fee waiver | — |
| Net expense ratio | 0.54% |
| 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 |
SWC1Z Costs Over Time
On $10,000 invested in SWC1Z, assuming 5% a year before costs, total costs come to $346 over 5 years, cutting the return by 0.58% 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 0.54%) | $57 | $178 | $310 |
| Trading costs (broker commissions) | $1 | $3 | $5 |
| Lost growth on money paid in costs | $0 | $9 | $32 |
| Total costs | $58 | $189 | $346 |
| Value after costs | $10,442 | $11,387 | $12,417 |
| Impact on return, per year | 0.58% | 0.58% | 0.58% |
SWC1Z 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): 0.0086%
- Total broker commissions: $15K
- Bought from dealers (principal trades, not a cost): $231K
- Portfolio turnover (prospectus): —
- Securities lending: none during the year
SWC1Z Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Jane Street Execution Services, LLC | $3K | 24.08% |
| Goldman Sachs & Co. LLC | $2K | 13.47% |
| Susquehanna Financial Group, LLLP | $2K | 12.66% |
| Virtu Americas LLC | $2K | 11.78% |
| Citadel Securities LLC | $2K | 11.50% |
| Jefferies LLC | $1K | 10.17% |
| Flow Traders U.S. Institutional Trading LLC | $1K | 9.69% |
| BofA Securities, Inc. | $426 | 2.96% |
| Old Mission Markets LLC | $280 | 1.95% |
| Stifel, Nicolaus & Company, Incorporated | $251 | 1.74% |
SWC1Z Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Charles Schwab & Co., Inc. | $231K | 100.00% |
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.