Where the figures are different, the underlying fund has either waived a portion of, or capped its fees, and the result of such fee waiver or cap is reflected in the net expense ratio. The ER applies daily at a rate equivalent to the annual rate shown, and may vary to reflect changes in the expenses of an underlying fund and other factors. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. You can visit the Employee Benefit Security Administration's Web site for an example demonstrating the long-term effect of fees and expenses. In either case, the redemption of your interest by the affected Fund, as well as the investment of the redemption proceeds by the "new" Fund, may result in transaction costs to the Funds because the affected Funds may find it necessary to sell securities and the "new" Funds will find it necessary to invest the redemption proceeds.
Estimated year-end distributions for Vanguard mutual funds and ETFs
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