SWG1Z Fees and Costs — Schwab VIT Growth Portfolio
Data updated: 2026-08-25
The net expense ratio is 0.55%. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $15K in broker commissions, 0.0089% of average net assets.
SWG1Z Fees and Expenses
Annual operating expenses and sales charges of SWG1Z. 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 | 0.55% |
| 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 |
SWG1Z Costs Over Time
On $10,000 invested in SWG1Z, assuming 5% a year before costs, total costs come to $353 over 5 years, cutting the return by 0.59% 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 0.55%) | $58 | $181 | $315 |
| Trading costs (broker commissions) | $1 | $3 | $5 |
| Lost growth on money paid in costs | $0 | $9 | $32 |
| Total costs | $59 | $193 | $353 |
| Value after costs | $10,441 | $11,383 | $12,410 |
| Impact on return, per year | 0.59% | 0.59% | 0.59% |
SWG1Z 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): 0.0089%
- Total broker commissions: $15K
- Bought from dealers (principal trades, not a cost): $246K
- Portfolio turnover (prospectus): —
- Securities lending: none during the year
SWG1Z Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Jane Street Execution Services, LLC | $3K | 21.42% |
| Jefferies LLC | $2K | 16.37% |
| Susquehanna Financial Group, LLLP | $2K | 13.83% |
| Virtu Americas LLC | $2K | 13.73% |
| Citadel Securities LLC | $2K | 12.92% |
| Goldman Sachs & Co. LLC | $2K | 11.94% |
| Flow Traders U.S. Institutional Trading LLC | $937 | 6.25% |
| Stifel, Nicolaus & Company, Incorporated | $313 | 2.09% |
| BofA Securities, Inc. | $118 | 0.79% |
| Old Mission Markets LLC | $102 | 0.68% |
SWG1Z Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| Charles Schwab & Co., Inc. | $246K | 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.