FCFGX expense ratio history
American Funds College 2039 Fund, Class 529-F-2
Expense ratio: 0.49%
- In basis points
- 49 basis points
- Yearly cost per $10,000
- $49
- Prospectus dated
- 1 January 2026, filed with the SEC; rounded to 0.01%
- Last change
- Cut from 0.51% on 1 January 2026
Fee over time
Share classes
The same fund is sold as 7 share classes, each with its own fee. Figures are from each class's latest prospectus in SEC filings, rounded to 0.01%.
| Ticker | Share class | Fee | After waivers | Prospectus dated |
|---|---|---|---|---|
| FCFGX (this page) | Class 529-F-2 | 0.49% | — | 1 Jan 2026 |
| CTDFX | Class 529-F-1 | 0.80% | — | 1 Jan 2026 |
| CTAEX | Class 529-E | 0.99% | — | 1 Jan 2026 |
| FTDHX | Class 529-F-3 | 0.43% | — | 1 Jan 2026 |
| CDJAX | Class 529-A | 0.77% | — | 1 Jan 2026 |
| TCATX | Class 529-T | 0.77% | — | 1 Jan 2026 |
| CTJCX | Class 529-C | 1.52% | — | 1 Jan 2026 |
Every figure we've recorded
| Date | Fee | What happened |
|---|---|---|
| 1 Jan 2026 | 0.49% | 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 | 0.49% | Cut from 0.51% to 0.49%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2025-12-31 |
| 1 Jan 2025 | 0.51% | 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 | 0.51% | Cut from 0.53% to 0.51%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2024-12-31 |
| 1 Jan 2024 | 0.53% | 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 2023 | 0.53% | 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 | 0.53% | Cut from 0.54% to 0.53%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2022-12-30 |
| 1 Jan 2022 | 0.54% | 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 | 0.54% | Cut from 0.68% to 0.54%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2021-12-30 |
| 1 Jan 2021 | 0.68% | 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 |
What this fee costs
Change the amount, years or return. The estimate keeps the fee at 0.49% and the return steady each year, the same assumptions as the cost example in a fund's prospectus.
$617 in fees over 10 years
After fees, $10,000 grows to $15,526.
| After | Fees paid |
|---|---|
| 1 year | $50 |
| 3 years | $158 |
| 5 years | $275 |
| 10 years | $617 |
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 6 prospectuses for this share class since 2021. Each one is listed above with a link to the filing.
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