Sherlock Holmes (born William Sherlock Scott Holmes) is the world's only consulting detective, a... Sherlock Holmes (born William Sherlock Scott Holmes) is the world's only consulting detective, a profession he created for himself. He is based in London and often consulted by Greg Lestrade of...
1 Class D and Class F share funds can be purchased at most discount brokerage firms through their âmutual fund supermarketâ platforms. 2  Many D and F share class funds pay an annual 12b-1 fee to the brokerage firm (not the advisor that may recommend the fund). These ongoing expenses vary for each fund. 2  Class D and Class F share funds can be purchased at most discount brokerage firms through their âmutual fund supermarketâ platforms. 3  Many D and F share class funds pay an annual 12b-1 fee to the brokerage firm (not the advisor that may recommend the fund).
The average annual expense ratio of the lowest-cost share classes of all target funds is 0.7%, says BrightScope, which rates and analyzes 401(k) plans. That includes the costs of the underlying funds as well as any additional TDF management fee (most TDFs layer management fees on top of fund expenses). Of course, you may not have access to the cheapest share class of your fund, but you can use the 0.7% figure to judge the costs of your target-date series.