Interactive Tool
Share Class Cost Comparator
Make share-class selection visible before advisors compare net performance.Advisor readAccess costs moreThe higher-cost class may buy access, platform availability, or lower minimums; it should not be compared as if economics were equal.
Five-year difference$6,660On a $100,000 controlled example at 8% gross return.
Recurring cost gap1.05%Compare total class costs before looking at performance.
| Mechanic | Class I | Class S | Difference |
|---|---|---|---|
| Minimum | $1M | $2.5k | Access |
| Upfront load | 0% | 0% | 0% |
| Servicing fee | 0% | 0.85% | 0.85% |
| Platform / other | 0.1% | 0.2% | 0.1% |
| Total recurring | 1.35% | 2.4% | 1.05% |
Access context
Class I
Institutional / fee-based. Higher minimum or platform approval.
Class S
Advisor channel. Broader wealth-platform access.
What to inspect
- Current prospectus fee table and any share-class supplement.
- Servicing, distribution, platform, and load differences by class.
- Whether returns are class-specific and net of the same economics.
- Eligibility, minimum, account type, and platform availability.
Advisor readLoad reduces capitalThe load reduces invested capital before recurring costs start, so the first comparison should be after-load dollars invested.
Five-year difference$7,196On a $100,000 controlled example at 8% gross return.
Recurring cost gap0.4%Compare total class costs before looking at performance.
| Mechanic | Class D | Class T | Difference |
|---|---|---|---|
| Minimum | $25k | $2.5k | Access |
| Upfront load | 0% | 3.5% | 3.5% |
| Servicing fee | 0.25% | 0.5% | 0.25% |
| Platform / other | 0.15% | 0.25% | 0.1% |
| Total recurring | 1.7% | 2.1% | 0.4% |
Access context
Class D
Clean brokerage / advisory. Platform dependent.
Class T
Transaction channel. Lower minimum with sales charge.
What to inspect
- Current prospectus fee table and any share-class supplement.
- Servicing, distribution, platform, and load differences by class.
- Whether returns are class-specific and net of the same economics.
- Eligibility, minimum, account type, and platform availability.
Advisor readPlatform cost spreadWhen both classes are available, the lower recurring cost can matter more than the convenience of the default platform class.
Five-year difference$2,245On a $100,000 controlled example at 8% gross return.
Recurring cost gap0.35%Compare total class costs before looking at performance.
| Mechanic | Class I | Class D | Difference |
|---|---|---|---|
| Minimum | $100k | $25k | Access |
| Upfront load | 0% | 0% | 0% |
| Servicing fee | 0% | 0.25% | 0.25% |
| Platform / other | 0.2% | 0.25% | 0.05% |
| Total recurring | 1.4% | 1.75% | 0.35% |
Access context
Class I
RIA platform. Advisory account eligible.
Class D
Brokerage platform. Platform menu eligible.
What to inspect
- Current prospectus fee table and any share-class supplement.
- Servicing, distribution, platform, and load differences by class.
- Whether returns are class-specific and net of the same economics.
- Eligibility, minimum, account type, and platform availability.
Operating-system handoffUse the lab, then route into concepts, controlled examples, document checks, and advisor language.
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