Expense Ratio History

PFUMX expense ratio history

Finisterre Emerging Markets Total Return Bond Fund, Institutional Class

Fund company
Principal
Type
Mutual fund

0.85%

In basis points
85 basis points
Yearly cost per $10,000
$85
Prospectus dated
1 March 2026, filed with the SEC; rounded to 0.01%
Last change
Cut from 0.87% on 1 March 2026

Fee over time

PFUMX expense ratio: 1.45% until 1 Mar 2018, then 1.28%; 1.28% until 18 Mar 2019, then 1.01%; 1.01% until 1 Mar 2020, then 0.90%; 0.90% until 1 Mar 2021, then 0.93%; 0.93% until 1 Mar 2022, then 0.86%; 0.86% until 1 Mar 2023, then 0.85%; 0.85% until 1 Mar 2024, then 0.91%; 0.91% until 1 Mar 2025, then 0.87%; 0.87% until 1 Mar 2026, then 0.85%; read at 0.85% on 1 Mar 2026.0.00%0.50%1.00%1.50%2.00%Jun 2016Feb 2018Oct 2019Jun 2021Feb 2023Oct 20241.45% before0.85% from 1 Mar 2026
PFUMX expense ratio: 1.45% until 1 Mar 2018, then 1.28%; 1.28% until 18 Mar 2019, then 1.01%; 1.01% until 1 Mar 2020, then 0.90%; 0.90% until 1 Mar 2021, then 0.93%; 0.93% until 1 Mar 2022, then 0.86%; 0.86% until 1 Mar 2023, then 0.85%; 0.85% until 1 Mar 2024, then 0.91%; 0.91% until 1 Mar 2025, then 0.87%; 0.87% until 1 Mar 2026, then 0.85%; read at 0.85% on 1 Mar 2026.0.00%0.50%1.00%1.50%2.00%Jun 2016Oct 2019Feb 20231.45% before0.85% from 1 Mar 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 3 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
— — 2.46% 1.21% 1 Mar 2021
— — 1.45% 1.15% 1 Mar 2017
PFUMX (this page) Institutional Class 0.85% — 1 Mar 2026

Every figure we've recorded

DateFeeWhat happened
1 Mar 2026 0.85% In the prospectusTotal annual fund operating expenses in the prospectus dated 2026-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2026 0.85% Cut from 0.87% to 0.85%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2026-02-27
1 Mar 2025 0.87% In the prospectusTotal annual fund operating expenses in the prospectus dated 2025-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2025 0.87% Cut from 0.91% to 0.87%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2025-02-26
1 Mar 2024 0.91% In the prospectusTotal annual fund operating expenses in the prospectus dated 2024-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2024 0.91% Raised from 0.85% to 0.91%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2024-02-27
1 Mar 2023 0.85% In the prospectusTotal annual fund operating expenses in the prospectus dated 2023-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2023 0.85% Cut from 0.86% to 0.85%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2023-02-27
1 Mar 2022 0.86% In the prospectusTotal annual fund operating expenses in the prospectus dated 2022-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2022 0.86% Cut from 0.93% to 0.86%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2022-02-24
1 Mar 2021 0.93% In the prospectusTotal annual fund operating expenses in the prospectus dated 2021-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2021 0.93% Raised from 0.90% to 0.93%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2021-02-24
1 Mar 2020 0.90% In the prospectusTotal annual fund operating expenses in the prospectus dated 2020-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2020 0.90% Cut from 1.01% to 0.90%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2020-03-17
18 Mar 2019 1.01% In the prospectusTotal annual fund operating expenses in the prospectus dated 2019-03-18 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
18 Mar 2019 1.01% Cut from 1.28% to 1.01%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2019-04-05
1 Mar 2019 1.28% In the prospectusTotal annual fund operating expenses in the prospectus dated 2019-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2018 1.28% In the prospectusTotal annual fund operating expenses in the prospectus dated 2018-03-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Mar 2018 1.28% Cut from 1.45% to 1.28%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2018-03-22
1 Mar 2017 1.45% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-03-01 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
28 Jun 2016 1.45% In the prospectusTotal annual fund operating expenses in the prospectus dated 2016-06-28 (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 0.85% and the return steady each year, the same assumptions as the cost example in a fund's prospectus.

$1,052 in fees over 10 years

After fees, $10,000 grows to $14,987.

Fees paid on $10,000 at 5% a year
AfterFees paid
1 year$87
3 years$272
5 years$473
10 years$1,052

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 12 prospectuses for this share class since 2016. Each one is listed above with a link to the filing.

How we read fees

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