TGIAX Fees and Costs — Timothy Plan Growth & Income Fund, Class A
Data updated: 2026-08-26
The net expense ratio is 1.84% (2.35% before fee waivers). This share class carries a maximum front-end sales load of 5.50%. In fiscal 2025 the fund paid $2K in broker commissions, 0.0092% of average net assets, and portfolio turnover was 67%.
TGIAX Fees and Expenses
Annual operating expenses and sales charges of TGIAX. Prospectus, as of May 5, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.85% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.98% |
| Gross expense ratio | 2.35% |
| Fee waiver | −0.51% |
| Net expense ratio | 1.84% |
| Sales charges | |
|---|---|
| Max front load | 5.50% |
| 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 |
TGIAX Costs Over Time
On $10,000 invested in TGIAX, assuming 5% a year before costs, total costs come to $1,777 over 5 years, cutting the return by 3.10% 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 | $550 | $550 | $550 |
| Fund expenses (net expense ratio 1.84%) | $183 | $565 | $970 |
| Trading costs (broker commissions) | $1 | $3 | $5 |
| Lost growth on money paid in costs | $28 | $115 | $251 |
| Total costs | $761 | $1,232 | $1,777 |
| Value after costs | $9,739 | $10,344 | $10,986 |
| Impact on return, per year | 7.61% | 3.87% | 3.10% |
TGIAX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending September 30, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0092%
- Total broker commissions: $2K
- Bought from dealers (principal trades, not a cost): $6.5M
- Portfolio turnover (prospectus): 67%
- Securities lending: none during the year
TGIAX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| WALLACHBETH | $5K | 100.00% |
TGIAX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| BANK OF AMERICA MERRILL LYNCH | $2.3M | 36.38% |
| CITADEL | $1.3M | 20.80% |
| JPMORGAN CHASE | $1.2M | 19.30% |
| NOMURA GROUP | $381K | 5.90% |
| CITIGROUP | $328K | 5.07% |
| FCSTONE | $211K | 3.27% |
| MITSUBISHI | $180K | 2.79% |
| BARCLAYS | $153K | 2.37% |
| MIZUHO | $135K | 2.09% |
| WELLS FARGO SECURITIES, LLC | $131K | 2.03% |
Timothy Plan Growth & 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 |
|---|---|---|---|
| TIGIX | Class I | 1.59% | — |
| TGIAX | Class A | 1.84% | 5.50% |
| TGCIX | Class C | 2.59% | 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.