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ETF Platform Fees - Latest by Schwab

"...Charles Schwab is poised to reimplement them next year, Ignites reported last month. That follows moves by Fidelity, and other big broker-dealers like Morgan Stanley and LPL, to charge issuers for shelf space on their platforms. It’s not worrying large asset managers, but the fees could put pressure on small and new players to make their funds stand out..."

As ETFs proliferate (self-standing or as ETF classes), newer and smaller ETFs will face several problems - (i) finding willing authorized-participants and market-makers, (ii) low liquidity reflected in wide bid-ask spreads, (iii) platform fees paid by ETF sponsor and/or investors. So, just announcing a new ETF launch may not mean much.

https://www.thedailyupside.com/etf/industry-news-etf/schwab-charge-for-etf-shelf-space-may-hit-small-shops-hardest/

Comments

  • The piece says that Fidelity makes "15% of what ETF issuers get or a $100 transaction fee charged to investors." It links to another page on the same site that clarifies(?): "ETF issuers are required to share 15% of their revenue with Fidelity for access to its customers, or face a stiff $100 levy on orders."

    Stock trading remains free. What is the difference? Brokerages can make money on stocks by lending them out, but ETFs can be lent out as well. Or at least they could in 2017 when this brochure was written.

    The main difference I see is that ETFs, like other funds, have a revenue source from investors (expense ratio) that brokerages can tap into. Many ETFs already have 12b-1 fees in their filings, though they are currently set at 0.00%. This suggests that the industry has expected for years to be charged shelf space, and can turn these fees on quickly.

    For example, from the SAI for several of Fidelity's ETFs:
    The Trustees have approved Distribution and Service Plans with respect to shares of each fund (the Plans) pursuant to Rule 12b-1 under the 1940 Act (the Rule).

    The Rule provides in substance that a fund may not engage directly or indirectly in financing any activity that is primarily intended to result in the sale of shares of the fund except pursuant to a plan approved on behalf of the fund under the Rule.

    The Plans, as approved by the Trustees, allow shares of the funds and/or FMR to incur certain expenses that might be considered to constitute indirect payment by the funds of distribution expenses.
  • edited December 1
    According to the article, Schwab will apply fees similar to those that Fidelity uses —
    15% of what etf issuers get or a $100 transaction fee.
    Assume an investor made a $10,000 etf purchase and the etf's expense ratio was 1.00%.
    The investor would incur a $100 cost to hold the etf for one year (excluding trading costs, etc.).
    Would Schwab "earn" a $15 cut associated with the initial purchase?
    How do these etf fees compare to OEF fees charged for brokerage platform availability?

  • ... and yet Schwabbie will continue paying nothing on cash held in brokerage accounts.
  • How do these etf fees compare to OEF fees charged for brokerage platform availability?

    The rack rate for shelf space at brokerages like Fidelity and Schwab is 40 basis points for NTF and a lot lower (10-15 basis points?) for TF funds. Some families get discounts. The brokerages have disclosure statements if you want the exact figures. Funds that refuse to pay to play, like Vanguard are sold with high ($75-$100) transaction fees at these brokerages.
  • Thanks, msf.
    The rack rate of 40 bps for NTF funds is quite high!
  • msf said:

    How do these etf fees compare to OEF fees charged for brokerage platform availability?

    The rack rate for shelf space at brokerages like Fidelity and Schwab is 40 basis points for NTF and a lot lower (10-15 basis points?) for TF funds. Some families get discounts. The brokerages have disclosure statements if you want the exact figures. Funds that refuse to pay to play, like Vanguard are sold with high ($75-$100) transaction fees at these brokerages.

    In my experience, Schwab is very willing to waive the $75 fee for purchasing Vanguard funds on their platform.
  • @Mona : Does one have to call & ask for waiver ? Would chat work?
  • Finally had time to dig up Schwab's disclosure statement:
    Most NTF funds pay Schwab's standard OneSource/NTF fund fee of 0.40% per year; however, the annual fee can range up to 0.45% of the fund assets held at Schwab. ...

    Fees on new institutional class shares acquired or held at Schwab, are typically 0.17% per year but can range up to 0.19%. ...

    Most TF funds pay Schwab an annual asset-based fee, typically 0.10% annually of the average fund assets held at Schwab, although the fee can range up to 0.25% ...
    https://www.schwab.com/legal/financial-and-other-relationships

    Yes it is quite high. When Schwab started OneSource, I believe it was 0.25%.
  • @Derf, I have never used the chat feature. I think it’s best to build a relationship with a financial consultant at your local branch. They usually have significant authority. If that’s not possible, get a representative on the phone from one of the call centers (Westlake, Denver, Phoenix, Omaha, or Indianapolis).

    If you aren’t making progress with the representative, ask to speak with a senior manager. Let them know that if Schwab offers free trades on Vanguard funds, you would seriously consider transferring your portfolio from Vanguard to Schwab.
  • My own owned ETF is an iShares beast connected to BlackRock. I'm wondering what will happen to my stake in EWS. Paying a fee to buy, sell or add shares is a no-go for me.
  • I think that ETF fees will be for smaller firms or tiny ETFs, not for large iShares ETFs.
  • edited December 1
    Thanks, yogi.
    AUM in that ETF =$826,204,748

    I guess I'm safe.(EWS.)
  • @Mona Thank you for reply & have a good evening.
  • msf
    edited December 1
    Crash said:

    My own owned ETF is an iShares beast connected to BlackRock. I'm wondering what will happen to my stake in EWS. Paying a fee to buy, sell or add shares is a no-go for me.

    Fidelity and iShares have a partnership deal that goes back around 15 years, before Fidelity created its own ETFs (aside from ONEQ), before brokerages started selling stocks and ETFs commission-free.

    Part of that partnership is to offer iShares NTF. Even if every broker starts charging fees to trade ETFs, the big ETF players will still be cutting deals like this. This tends to support yogi's speculation that only the boutique firms will be subject to ETF fees by brokerages.

    https://www.etftrends.com/2013/03/fidelity-ishares-expand-etf-partnership-what-does-it-mean/ (2013)

    Another part of the Fidelity/iShares deal is that Fidelity will push iShares. You can see the favored status that Fidelity gives iShares on its ETF research page. It highlights Fidelity and iShares ETF only.
    https://digital.fidelity.com/prgw/digital/research/etf

    I figure this is something like the deal that Schwab has with marketing T. Rowe Price funds.
    https://riabiz.com/a/2022/4/19/t-rowe-price-gains-house-brand-status-on-schwabs-active-fund-platform-and-will-pay-up-to-10-million-yearly-for-the-honor-but-the-deal-is-not-without-potential-conflicts-of-interest
  • I would imagine that in the case of heavily traded ETFs brokerages settle for the funds earned from payment for order flow, just as they do for commission-free stock trades.
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