Expense Ratio History

EFCAX expense ratio history

Emerald Insights Fund, Class A

Fund company
Financial Investors
Type
Mutual fund

1.86%

In basis points
186 basis points
Yearly cost per $10,000
$186
Prospectus dated
31 August 2025, filed with the SEC; rounded to 0.01%
Last change
Cut from 2.03% on 31 August 2025

Fee over time

EFCAX expense ratio: 1.89% until 31 Aug 2015, then 2.60%; 2.60% until 31 Aug 2016, then 2.03%; 2.03% until 31 Aug 2017, then 2.10%; 2.10% until 31 Aug 2019, then 2.19%; 2.19% until 31 Aug 2020, then 2.25%; 2.25% until 31 Aug 2021, then 1.93%; 1.93% until 31 Aug 2022, then 1.73%; 1.73% until 31 Aug 2023, then 1.94%; 1.94% until 31 Aug 2024, then 2.03%; 2.03% until 31 Aug 2025, then 1.86%; read at 1.86% on 31 Aug 2025.0.00%1.00%2.00%3.00%4.00%Jul 2014Jun 2016May 2018Apr 2020Mar 2022Feb 20241.89% before1.86% from 31 Aug 2025
EFCAX expense ratio: 1.89% until 31 Aug 2015, then 2.60%; 2.60% until 31 Aug 2016, then 2.03%; 2.03% until 31 Aug 2017, then 2.10%; 2.10% until 31 Aug 2019, then 2.19%; 2.19% until 31 Aug 2020, then 2.25%; 2.25% until 31 Aug 2021, then 1.93%; 1.93% until 31 Aug 2022, then 1.73%; 1.73% until 31 Aug 2023, then 1.94%; 1.94% until 31 Aug 2024, then 2.03%; 2.03% until 31 Aug 2025, then 1.86%; read at 1.86% on 31 Aug 2025.0.00%1.00%2.00%3.00%4.00%Jul 2014May 2018Mar 20221.89% before1.86% from 31 Aug 2025
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 4 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
EFCAX (this page) Class A 1.86% 1.35% 31 Aug 2025
EFCCX Class C 2.51% 2.00% 31 Aug 2025
EFCIX Institutional Class 1.56% 1.05% 31 Aug 2025
EFCNX Investor Class 1.91% 1.40% 31 Aug 2025

Every figure we've recorded

DateFeeWhat happened
31 Aug 2025 1.86% In the prospectusTotal annual fund operating expenses in the prospectus dated 2025-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2025 1.86% Cut from 2.03% to 1.86%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2025-08-28
31 Aug 2024 2.03% In the prospectusTotal annual fund operating expenses in the prospectus dated 2024-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2024 2.03% Raised from 1.94% to 2.03%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2024-08-16
31 Aug 2023 1.94% In the prospectusTotal annual fund operating expenses in the prospectus dated 2023-08-31 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
31 Aug 2023 1.94% Raised from 1.73% to 1.94%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2023-09-01
31 Aug 2022 1.73% In the prospectusTotal annual fund operating expenses in the prospectus dated 2022-08-31 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
31 Aug 2022 1.73% Cut from 1.93% to 1.73%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2022-09-02
31 Aug 2021 1.93% In the prospectusTotal annual fund operating expenses in the prospectus dated 2021-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2021 1.93% Cut from 2.25% to 1.93%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2021-08-30
31 Aug 2020 2.25% In the prospectusTotal annual fund operating expenses in the prospectus dated 2020-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2020 2.25% Raised from 2.19% to 2.25%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2020-09-16
31 Aug 2019 2.19% In the prospectusTotal annual fund operating expenses in the prospectus dated 2019-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2019 2.19% Raised from 2.10% to 2.19%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2019-09-18
31 Aug 2018 2.10% In the prospectusTotal annual fund operating expenses in the prospectus dated 2018-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2017 2.10% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2017 2.10% Raised from 2.03% to 2.10%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2017-09-18
31 Aug 2016 2.03% In the prospectusTotal annual fund operating expenses in the prospectus dated 2016-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2016 2.03% Cut from 2.60% to 2.03%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2016-09-14
31 Aug 2015 2.60% In the prospectusTotal annual fund operating expenses in the prospectus dated 2015-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2015 2.60% Raised from 1.89% to 2.60%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2015-09-16
31 Aug 2014 1.89% In the prospectusTotal annual fund operating expenses in the prospectus dated 2014-08-31 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
31 Jul 2014 1.89% In the prospectusTotal annual fund operating expenses in the prospectus dated 2014-07-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS

What this fee costs

Change the amount, years or return. The estimate keeps the fee at 1.86% and the return steady each year, the same assumptions as the cost example in a fund's prospectus.

$2,195 in fees over 10 years

After fees, $10,000 grows to $13,562.

Fees paid on $10,000 at 5% a year
AfterFees paid
1 year$191
3 years$590
5 years$1,014
10 years$2,195

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 13 prospectuses for this share class since 2014. Each one is listed above with a link to the filing.

How we read fees

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