Expense Ratio History

SOAEX expense ratio history

Spirit of America Energy Fund, Class A

Fund company
Spirit of America Investment
Type
Mutual fund

1.52%

In basis points
152 basis points
Yearly cost per $10,000
$152
Prospectus dated
30 March 2026, filed with the SEC; rounded to 0.01%
Last change
Raised from 1.48% on 30 March 2026

Fee over time

SOAEX expense ratio: 2.00% until 30 Mar 2015, then 1.86%; 1.86% until 15 Mar 2016, then 1.51%; 1.51% until 30 Mar 2017, then 1.44%; 1.44% until 30 Mar 2018, then 1.38%; 1.38% until 30 Mar 2020, then 1.43%; 1.43% until 30 Mar 2021, then 1.56%; 1.56% until 30 Mar 2022, then 1.53%; 1.53% until 30 Mar 2023, then 1.50%; 1.50% until 29 Mar 2024, then 1.52%; 1.52% until 28 Mar 2025, then 1.48%; 1.48% until 30 Mar 2026, then 1.52%; read at 1.52% on 30 Mar 2026.0.00%1.00%2.00%3.00%Jul 2014Jul 2016Jul 2018Jul 2020Jul 2022Jul 20242.00% before1.52% from 30 Mar 2026
SOAEX expense ratio: 2.00% until 30 Mar 2015, then 1.86%; 1.86% until 15 Mar 2016, then 1.51%; 1.51% until 30 Mar 2017, then 1.44%; 1.44% until 30 Mar 2018, then 1.38%; 1.38% until 30 Mar 2020, then 1.43%; 1.43% until 30 Mar 2021, then 1.56%; 1.56% until 30 Mar 2022, then 1.53%; 1.53% until 30 Mar 2023, then 1.50%; 1.50% until 29 Mar 2024, then 1.52%; 1.52% until 28 Mar 2025, then 1.48%; 1.48% until 30 Mar 2026, then 1.52%; read at 1.52% on 30 Mar 2026.0.00%1.00%2.00%3.00%Jul 2014Jul 2018Jul 20222.00% before1.52% from 30 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
SOAEX (this page) Class A 1.52% — 30 Mar 2026
SACEX Class C 2.27% — 30 Mar 2026
SAIEX Institutional Shares 1.28% — 30 Mar 2026

Every figure we've recorded

DateFeeWhat happened
30 Mar 2026 1.52% In the prospectusTotal annual fund operating expenses in the prospectus dated 2026-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2026 1.52% Raised from 1.48% to 1.52%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2026-03-27
28 Mar 2025 1.48% In the prospectusTotal annual fund operating expenses in the prospectus dated 2025-03-28 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
28 Mar 2025 1.48% Cut from 1.52% to 1.48%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2025-03-28
29 Mar 2024 1.52% In the prospectusTotal annual fund operating expenses in the prospectus dated 2024-03-29 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
29 Mar 2024 1.52% Raised from 1.50% to 1.52%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2024-03-28
30 Mar 2023 1.50% In the prospectusTotal annual fund operating expenses in the prospectus dated 2023-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2023 1.50% Cut from 1.53% to 1.50%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2023-03-30
30 Mar 2022 1.53% In the prospectusTotal annual fund operating expenses in the prospectus dated 2022-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2022 1.53% Cut from 1.56% to 1.53%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2022-03-30
30 Mar 2021 1.56% In the prospectusTotal annual fund operating expenses in the prospectus dated 2021-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2021 1.56% Raised from 1.43% to 1.56%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2021-04-13
30 Mar 2020 1.43% In the prospectusTotal annual fund operating expenses in the prospectus dated 2020-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2020 1.43% Raised from 1.38% to 1.43%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2020-04-16
29 Mar 2019 1.38% In the prospectusTotal annual fund operating expenses in the prospectus dated 2019-03-29 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2018 1.38% In the prospectusTotal annual fund operating expenses in the prospectus dated 2018-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2018 1.38% Cut from 1.44% to 1.38%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2018-04-20
30 Mar 2017 1.44% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2017 1.44% Cut from 1.51% to 1.44%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2017-04-13
15 Mar 2016 1.51% In the prospectusTotal annual fund operating expenses in the prospectus dated 2016-03-15 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
15 Mar 2016 1.51% Cut from 1.86% to 1.51%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2016-03-31
30 Mar 2015 1.86% In the prospectusTotal annual fund operating expenses in the prospectus dated 2015-03-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Mar 2015 1.86% Cut from 2.00% to 1.86%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2015-04-17
9 Jul 2014 2.00% In the prospectusTotal annual fund operating expenses in the prospectus dated 2014-07-09 (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 1.52% and the return steady each year, the same assumptions as the cost example in a fund's prospectus.

$1,823 in fees over 10 years

After fees, $10,000 grows to $14,027.

Fees paid on $10,000 at 5% a year
AfterFees paid
1 year$156
3 years$484
5 years$835
10 years$1,823

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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