Expense Ratio History

CTLAX expense ratio history

American Funds College 2033 Fund, Class 529-A

Fund company
American Funds
Type
Mutual fund

0.70%

In basis points
70 basis points
Yearly cost per $10,000
$70
Prospectus dated
1 January 2026, filed with the SEC; rounded to 0.01%
Last change
Cut from 0.72% on 1 January 2026

Fee over time

CTLAX expense ratio: 0.90% until 1 Jan 2016, then 0.88%; 0.88% until 1 Jan 2017, then 0.80%; 0.80% until 7 Apr 2017, then 0.88%; 0.88% until 1 Jan 2018, then 0.84%; 0.84% until 1 Jan 2019, then 0.82%; 0.82% until 1 Jan 2020, then 0.81%; 0.81% until 1 Jan 2021, then 0.77%; 0.77% until 1 Jan 2022, then 0.73%; 0.73% until 1 Jan 2023, then 0.75%; 0.75% until 1 Jan 2024, then 0.73%; 0.73% until 1 Jan 2025, then 0.72%; 0.72% until 1 Jan 2026, then 0.70%; read at 0.70% on 1 Jan 2026.0.00%0.50%1.00%1.50%Jan 2015Dec 2016Nov 2018Oct 2020Sep 2022Aug 20240.90% before0.70% from 1 Jan 2026
CTLAX expense ratio: 0.90% until 1 Jan 2016, then 0.88%; 0.88% until 1 Jan 2017, then 0.80%; 0.80% until 7 Apr 2017, then 0.88%; 0.88% until 1 Jan 2018, then 0.84%; 0.84% until 1 Jan 2019, then 0.82%; 0.82% until 1 Jan 2020, then 0.81%; 0.81% until 1 Jan 2021, then 0.77%; 0.77% until 1 Jan 2022, then 0.73%; 0.73% until 1 Jan 2023, then 0.75%; 0.75% until 1 Jan 2024, then 0.73%; 0.73% until 1 Jan 2025, then 0.72%; 0.72% until 1 Jan 2026, then 0.70%; read at 0.70% on 1 Jan 2026.0.00%0.50%1.00%1.50%Jan 2015Oct 2018Jul 20220.90% before0.70% from 1 Jan 2026
Solid line: the fee in effect after each recorded change. Dashed: the fee before it. Dots: prospectuses filed with the SEC and dates we read the fee from a source.

Share classes

The same fund is sold as 8 share classes, each with its own fee. Figures are from each class's latest prospectus in SEC filings, rounded to 0.01%.

TickerShare classFeeAfter waiversProspectus dated
CTLAX (this page) Class 529-A 0.70% — 1 Jan 2026
— — 1.63% 1.62% 1 Jan 2017
CTLCX Class 529-C 1.46% — 1 Jan 2026
CTLEX Class 529-E 0.93% — 1 Jan 2026
CTLFX Class 529-F-1 0.74% — 1 Jan 2026
TCFFX Class 529-T 0.71% — 1 Jan 2026
FCCFX Class 529-F-2 0.43% — 1 Jan 2026
FTCFX Class 529-F-3 0.37% — 1 Jan 2026

Every figure we've recorded

DateFeeWhat happened
1 Jan 2026 0.70% In the prospectusTotal annual fund operating expenses in the prospectus dated 2026-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2026 0.70% Cut from 0.72% to 0.70%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2025-12-31
1 Jan 2025 0.72% In the prospectusTotal annual fund operating expenses in the prospectus dated 2025-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2025 0.72% Cut from 0.73% to 0.72%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2024-12-31
1 Jan 2024 0.73% In the prospectusTotal annual fund operating expenses in the prospectus dated 2024-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2024 0.73% Cut from 0.75% to 0.73%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2023-12-29
1 Jan 2023 0.75% In the prospectusTotal annual fund operating expenses in the prospectus dated 2023-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2023 0.75% Raised from 0.73% to 0.75%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2022-12-30
1 Jan 2022 0.73% In the prospectusTotal annual fund operating expenses in the prospectus dated 2022-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2022 0.73% Cut from 0.77% to 0.73%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2021-12-30
1 Jan 2021 0.77% In the prospectusTotal annual fund operating expenses in the prospectus dated 2021-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2021 0.77% Cut from 0.81% to 0.77%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2020-12-31
30 Oct 2020 0.81% In the prospectusTotal annual fund operating expenses in the prospectus dated 2020-10-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2020 0.81% In the prospectusTotal annual fund operating expenses in the prospectus dated 2020-01-01 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
1 Jan 2020 0.81% Cut from 0.82% to 0.81%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2020-07-31
1 Jan 2019 0.82% In the prospectusTotal annual fund operating expenses in the prospectus dated 2019-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2019 0.82% Cut from 0.84% to 0.82%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2019-01-23
9 Feb 2018 0.84% In the prospectusTotal annual fund operating expenses in the prospectus dated 2018-02-09 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2018 0.84% In the prospectusTotal annual fund operating expenses in the prospectus dated 2018-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2018 0.84% Cut from 0.88% to 0.84%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2018-01-23
7 Apr 2017 0.88% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-04-07 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
7 Apr 2017 0.88% Raised from 0.80% to 0.88%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2017-09-05
1 Jan 2017 0.80% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2017 0.80% Cut from 0.88% to 0.80%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2017-01-24
1 Jan 2016 0.88% In the prospectusTotal annual fund operating expenses in the prospectus dated 2016-01-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Jan 2016 0.88% Cut from 0.90% to 0.88%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2016-01-25
1 Jan 2015 0.90% In the prospectusTotal annual fund operating expenses in the prospectus dated 2015-01-01 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497

What this fee costs

Change the amount, years or return. The estimate keeps the fee at 0.70% and the return steady each year, the same assumptions as the cost example in a fund's prospectus.

$873 in fees over 10 years

After fees, $10,000 grows to $15,209.

Fees paid on $10,000 at 5% a year
AfterFees paid
1 year$72
3 years$225
5 years$391
10 years$873

How we read this figure

The figure is the total annual fund operating expenses line of the fee table in the fund's prospectus, as tagged in the fund company's filing with the SEC. The SEC publishes these figures rounded to four decimal places, so 0.015% appears as 0.02%. The fund company's own page may show a more precise number.

SEC filings give 15 prospectuses for this share class since 2015. Each one is listed above with a link to the filing.

How we read fees

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