TGAIX Fees and Costs — International Growth and Income Fund, Class T
Data updated: 2026-09-14
The net expense ratio is 0.90%: a 0.48% management fee, a 0.25% 12b-1 fee plus 0.17% other expenses. This share class carries a maximum front-end sales load of 2.50%. In fiscal 2026 the fund paid $9.7M in broker commissions, 0.0513% of average net assets, and portfolio turnover was 44%.
TGAIX Fees and Expenses
Annual operating expenses and sales charges of TGAIX. Prospectus, as of August 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.48% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.17% |
| Gross expense ratio | 0.90% |
| Fee waiver | — |
| Net expense ratio | 0.90% |
| Sales charges | |
|---|---|
| Max front load | 2.50% |
| Max deferred load | 0.00% |
| Redemption fee | 0.00% |
| Expense limitation in place (N-CEN) | No |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | No |
TGAIX Costs Over Time
On $10,000 invested in TGAIX, assuming 5% a year before costs, total costs come to $900 over 5 years, cutting the return by 1.52% 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 | $250 | $250 | $250 |
| Fund expenses (net expense ratio 0.90%) | $92 | $288 | $499 |
| Trading costs (broker commissions) | $5 | $16 | $28 |
| Lost growth on money paid in costs | $13 | $54 | $122 |
| Total costs | $360 | $608 | $900 |
| Value after costs | $10,140 | $10,968 | $11,863 |
| Impact on return, per year | 3.60% | 1.87% | 1.52% |
TGAIX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending June 30, 2026.
- Explicit cost rate (commissions ÷ average net assets): 0.0513%
- Total broker commissions: $9.7M
- Bought from dealers (principal trades, not a cost): $160.5M
- Portfolio turnover (prospectus): 44%
- Securities on loan, average value: $145.3M
- Net income from securities lending: $937K (0.005% of average net assets)
TGAIX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Morgan Stanley & Co. LLC | $984K | 14.81% |
| J.P. Morgan Securities LLC | $853K | 12.84% |
| Goldman Sachs & Co. LLC | $820K | 12.35% |
| Jefferies & Company Inc. | $734K | 11.06% |
| Citigroup Global Markets Inc. | $733K | 11.03% |
| UBS AG | $644K | 9.69% |
| Bank of America, N.A. | $632K | 9.52% |
| BTIG, LLC | $448K | 6.74% |
| TD Securities (USA) | $417K | 6.29% |
| Macquarie Bank Limited | $376K | 5.67% |
TGAIX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| J.P. Morgan Securities LLC | $46.5M | 28.97% |
| Morgan Stanley & Co. LLC | $35.4M | 22.08% |
| Jefferies & Company Inc. | $33.2M | 20.70% |
| Bank of America, N.A. | $24.6M | 15.32% |
| Goldman Sachs & Co. LLC | $14.8M | 9.23% |
| Citigroup Global Markets Inc. | $4.9M | 3.03% |
| Banco BTG Pactual S.A. | $1.1M | 0.67% |
International Growth and Income Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| IGAIX | Class F-3 | 0.53% | none |
| RIGGX | Class R-6 | 0.53% | none |
| FGIGX | Class 529-F-3 | 0.58% | none |
| RIGFX | Class R-5 | 0.58% | none |
| FGGGX | Class 529-F-2 | 0.62% | none |
| IGFFX | Class F-2 | 0.64% | none |
| RIGIX | Class R-5E | 0.68% | none |
| RIGEX | Class R-4 | 0.87% | none |
| IGAAX | Class A | 0.88% | 5.75% |
| CGIAX | Class 529-A | 0.90% | 3.50% |
| TGAIX | Class T | 0.90% | 2.50% |
| IGIFX | Class F-1 | 0.91% | none |
| TGAGX | Class 529-T | 0.95% | 2.50% |
| CGIFX | Class 529-F-1 | 0.98% | none |
| CGIEX | Class 529-E | 1.12% | none |
| RGICX | Class R-3 | 1.18% | none |
| RIIEX | Class R-2E | 1.33% | none |
| IGICX | Class C | 1.61% | none |
| RIGAX | Class R-1 | 1.62% | none |
| RIGBX | Class R-2 | 1.62% | none |
| CIICX | Class 529-C | 1.67% | 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.