Expense Ratio History

DRGMX expense ratio history

BNY Mellon U.S. Mortgage Fund, Inc., Class Z

Fund company
BNY Mellon U.s. Mortgage
Type
Mutual fund

0.96%

In basis points
96 basis points
Yearly cost per $10,000
$96
Prospectus dated
30 August 2024, filed with the SEC; rounded to 0.01%
Last change
Raised from 0.91% on 30 August 2024

Fee over time

DRGMX expense ratio: 0.87% until 1 Sep 2012, then 0.90%; 0.90% until 1 Sep 2013, then 0.89%; 0.89% until 1 Sep 2014, then 0.88%; 0.88% until 1 Sep 2015, then 0.90%; 0.90% until 31 Aug 2016, then 0.91%; 0.91% until 1 Sep 2017, then 0.96%; 0.96% until 31 Aug 2018, then 0.86%; 0.86% until 30 Aug 2019, then 0.85%; 0.85% until 1 Sep 2022, then 0.86%; 0.86% until 1 Sep 2023, then 0.91%; 0.91% until 30 Aug 2024, then 0.96%; read at 0.96% on 30 Aug 2024.0.00%0.50%1.00%1.50%Sep 2011Dec 2013Mar 2016Jun 2018Sep 2020Dec 20220.87% before0.96% from 30 Aug 2024
DRGMX expense ratio: 0.87% until 1 Sep 2012, then 0.90%; 0.90% until 1 Sep 2013, then 0.89%; 0.89% until 1 Sep 2014, then 0.88%; 0.88% until 1 Sep 2015, then 0.90%; 0.90% until 31 Aug 2016, then 0.91%; 0.91% until 1 Sep 2017, then 0.96%; 0.96% until 31 Aug 2018, then 0.86%; 0.86% until 30 Aug 2019, then 0.85%; 0.85% until 1 Sep 2022, then 0.86%; 0.86% until 1 Sep 2023, then 0.91%; 0.91% until 30 Aug 2024, then 0.96%; read at 0.96% on 30 Aug 2024.0.00%0.50%1.00%1.50%Sep 2011Feb 2016Jul 20200.87% before0.96% from 30 Aug 2024
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 7 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
DRGMX (this page) Class Z 0.96% 0.70% 30 Aug 2024
GPGAX Class A 1.06% 0.80% 30 Aug 2024
— — 1.79% — 1 Sep 2011
GPNCX Class C 1.94% 1.55% 30 Aug 2024
GPNYX Class Y 0.81% 0.55% 30 Aug 2024
GPNIX Class I 0.81% 0.55% 30 Aug 2024
— — 1.05% — 1 Nov 2017

Every figure we've recorded

DateFeeWhat happened
30 Aug 2024 0.96% In the prospectusTotal annual fund operating expenses in the prospectus dated 2024-08-30 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
30 Aug 2024 0.96% Raised from 0.91% to 0.96%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2024-09-20
1 Sep 2023 0.91% In the prospectusTotal annual fund operating expenses in the prospectus dated 2023-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2023 0.91% Raised from 0.86% to 0.91%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2023-08-25
1 Sep 2022 0.86% In the prospectusTotal annual fund operating expenses in the prospectus dated 2022-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2022 0.86% Raised from 0.85% to 0.86%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2022-08-25
31 Aug 2021 0.85% In the prospectusTotal annual fund operating expenses in the prospectus dated 2021-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2020 0.85% In the prospectusTotal annual fund operating expenses in the prospectus dated 2020-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Aug 2019 0.85% In the prospectusTotal annual fund operating expenses in the prospectus dated 2019-08-30 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
30 Aug 2019 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 2019-09-06
31 Aug 2018 0.86% In the prospectusTotal annual fund operating expenses in the prospectus dated 2018-08-31 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
31 Aug 2018 0.86% Cut from 0.96% to 0.86%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2019-05-20
1 Nov 2017 0.96% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-11-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2017 0.96% In the prospectusTotal annual fund operating expenses in the prospectus dated 2017-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2017 0.96% Raised from 0.91% to 0.96%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2017-09-06
31 Aug 2016 0.91% In the prospectusTotal annual fund operating expenses in the prospectus dated 2016-08-31 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
31 Aug 2016 0.91% Raised from 0.90% to 0.91%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2016-09-14
1 Sep 2015 0.90% In the prospectusTotal annual fund operating expenses in the prospectus dated 2015-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2015 0.90% Raised from 0.88% to 0.90%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2015-09-15
21 Nov 2014 0.88% In the prospectusTotal annual fund operating expenses in the prospectus dated 2014-11-21 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
1 Sep 2014 0.88% In the prospectusTotal annual fund operating expenses in the prospectus dated 2014-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2014 0.88% Cut from 0.89% to 0.88%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2014-09-04
1 Sep 2013 0.89% In the prospectusTotal annual fund operating expenses in the prospectus dated 2013-09-01 (form 485BPOS), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 485BPOS
1 Sep 2013 0.89% Cut from 0.90% to 0.89%Prospectus date; the new figure appears in this filingSource: Prospectus (form 485BPOS) filed with the SEC on 2013-09-11
1 Sep 2012 0.90% In the prospectusTotal annual fund operating expenses in the prospectus dated 2012-09-01 (form 497), from SEC bulk data, which rounds to 0.01%Source: SEC EDGAR filing, form 497
1 Sep 2012 0.90% Raised from 0.87% to 0.90%Prospectus date; the new figure appears in this filingSource: Prospectus (form 497) filed with the SEC on 2012-09-13
1 Sep 2011 0.87% In the prospectusTotal annual fund operating expenses in the prospectus dated 2011-09-01 (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 0.96% and the return steady each year, the same assumptions as the cost example in a fund's prospectus.

$1,182 in fees over 10 years

After fees, $10,000 grows to $14,825.

Fees paid on $10,000 at 5% a year
AfterFees paid
1 year$98
3 years$307
5 years$533
10 years$1,182

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 16 prospectuses for this share class since 2011. Each one is listed above with a link to the filing.

How we read fees