- The Saturna Advantage
- Retirement Calculators
- Traditional IRA
- Roth IRA
- Converting To A Roth IRA
- Account Login
- General Guidelines
- Plan Services
- Fee Schedule
- Setting Up Your 401(k)
- SEP IRAs
- SIMPLE IRAs
- Withdrawal Exemptions
- Prohibited Transactions
401(k) Brochures & Forms:
Employee Brochures & Forms:
401(k) Fee Schedule
|Employer (Plan Sponsor) Fees|
0.25% of total year-end plan assets
|Credit for holding affiliated Mutual Funds|
|Employers are credited||
0.25% of total year-end plan assets held in affiliated mutual funds
|Employee (Participant) Fees|
|Account maintenance fee||
None or 0.25% of total year-end assets†
|Affiliated mutual fund trading fees||
|Mutual Fund Expenses||
|Loan (if any) annual fee||
|Plan departure fee||
|† At Employer's discretion, 0.25% of total year-end assets is charged to either the Employer or the Plan. If charged to the Plan, fees are allocated to individual Employee (Participant) accounts.|
Self-Directed Brokerage Accounts
Trades in Self-Directed Brokerage Accounts are subject to the Saturna Brokerage Services commission schedule. All applicable commissions are paid to Saturna Brokerage Services. Depending on each employee's investment choices, Saturna Brokerage Services may also receive sales charges (loads) and/or 12b-1 fees from non-affiliated mutual funds and Fidelity money market funds.
Mutual Fund Expenses
The following tables describe the fees and expenses mutual fund shareowners may pay. There are no shareowner fees (fees paid directly from an investment). The Funds impose no sales charge (load) on purchases or reinvested dividends, or any deferred sales charge (load) upon redemption. There are no exchange fees or account fees. Investments in mutual funds are subject to ongoing expenses. Saturna endeavors to keep these fees low. We encourage you to compare the following fees with similar fees of other no-load mutual funds:
|Shareowner Fees (fees paid directly from your investment)
All Saturna Mutual Funds
|Maximum Sales Charge (Load) Imposed on Purchases (as a percentage of offering price):||0%|
|Maximum Deferred Sales Charge (Load):||0%|
|Maximum Sales Charge (Load) Imposed on Reinvested Dividends/Distributions:||0%|
|Early Redemption Fee:||0%|
|Exchange Fee (between Saturna's affiliated funds):||0%|
|Maximum Account Fee:||0%|
|Annual Fund Operating Expenses (expenses deducted from Fund Assets)|
|Amana Funds | Dreyfus Mutual Funds||Amana Growth¹||Amana Income¹||Amana Developing World¹||Dreyfus Treasury & Agency Cash Management Fund²||Dreyfus Cash Management Fund²|
|Distribution (12b-1) Fees||0.25%4||0.25%4||0.25%4||0.25%||0.25%|
|Total Annual Fund Operating Expenses||1.13%||1.20%||1.63%||0.46%||0.46%|
|Annual Fund Operating Expenses (expenses deducted from Fund Assets)|
|Sextant Mutual Funds||Growth5||International5||Core5||Global High Income5||Short-Term Bond5||Bond Income5|
|Distribution (12b-1) Fees||0.25%4||0.25%4||0.25%4||0.25%4||0.25%4||0.25%4|
|Total Annual Fund Operating Expenses||1.10%||1.10%||1.32%||1.22%||1.26%||1.36%|
|Less Fee Waiver/Expense Reimbursement||(0.00)%||(0.00)%||(0.00)%||(0.32)%||(0.51)%||(0.46)%|
|Net Annual Operating Expenses||1.10%||1.10%||1.32%6||0.90%6||0.75%6||0.90%6|
1As of 9/14/2012 (for the fiscal year ending 5/31/2012).
2As of 6/1/2012 (for the fiscal year ending 1/31/2012).
3Paid to Saturna Capital Corporation.
4Paid to Saturna Brokerage Services, Inc.
5As of 3/22/2013 (for the fiscal year ending 11/30/2012).
6The Adviser has voluntarily capped expenses of the Short-Term Bond Fund at 0.75% and the Bond Income and Global High Income Funds at 0.90% through 3/31/2014. Management fees for the Short-Term Bond, Bond Income, and Core Funds are contractually waived when assets are less than $2 million.
An investment in a money-market fund, like the Dreyfus Cash Management Funds, is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Dreyfus Cash Management Funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Funds.
Please consider an investment's objectives, risks, expenses and charges carefully before investing. To obtain a prospectus or summary prospectus that contains this and other important information about these mutual funds, please call 1-800-SATURNA or visit www.saturna.com. Please read the prospectus or summary prospectus carefully before investing.
Saturna no-load mutual funds and Dreyfus money-market mutual funds are distributed by Saturna Brokerage Services, Inc., a wholly-owned subsidiary of Saturna Capital.
A Few Words About Risk
The value of Fund shares rises and falls as the value of the securities in a Fund invests goes up and down. Only consider investing in the Funds if you are willing to accept the risk that you may lose money. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.
The Amana Funds limit the securities they purchase to those consistent with Islamic principles which limits opportunities and may increase risk.
Growth funds may invest in smaller companies, which involve higher investment risks in that they often have limited product lines, markets and resources, or their securities may trade less frequently and have greater price fluctuation than those of larger companies. Growth stocks, which can be priced on future expectations rather than current results, may decline substantially when expectations are not met or general market conditions weaken.
International investing involves additional risks not typically associated with investing in U.S. securities such as currency exchange rates, less public information about securities, less government market supervision and lack of uniform financial, social and political standards.
The risks inherent in the bond Funds depend primarily on the terms and quality of obligations in their portfolios, as well as on bond market conditions. When interest rates rise, bond prices fall. When interest rates fall, bond prices go up. Bonds with longer maturities are usually more sensitive to interest rate changes than those with shorter maturities. These Funds also entail credit risk, which is the possibility that a bond issuer will not be able to pay interest or principal when it is due.
Issuers of high yield securities are generally not as strong financially as those issuing higher quality securities. These issuers are more likely to encounter financial difficulties and are more vulnerable to changes in the relevant economy that could affect their ability to make interest, principal, and dividend payments as expected. Investments in high yield securities can be speculative in nature. High yield bonds may have low or no ratings, and may be considered "junk bonds." The prices of high yield securities generally fluctuate more than those of higher quality. High yield securities are generally more illiquid (harder to sell) and harder to value.