C000169890 Fees and Costs — Guardian Large Cap Fundamental Growth VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.99%: a 0.60% management fee, a 0.25% 12b-1 fee plus 0.15% other expenses, less a 0.01% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $27K in broker commissions, 0.0150% of average net assets, and portfolio turnover was 40%.
C000169890 Fees and Expenses
Annual operating expenses and sales charges of C000169890. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.60% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.15% |
| Gross expense ratio | 1.00% |
| Fee waiver | −0.01% |
| Net expense ratio | 0.99% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
C000169890 Costs Over Time
On $10,000 invested in C000169890, assuming 5% a year before costs, total costs come to $629 over 5 years, cutting the return by 1.06% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 0.99%) | $104 | $324 | $562 |
| Trading costs (broker commissions) | $2 | $5 | $9 |
| Lost growth on money paid in costs | $0 | $16 | $58 |
| Total costs | $106 | $346 | $629 |
| Value after costs | $10,394 | $11,231 | $12,134 |
| Impact on return, per year | 1.06% | 1.06% | 1.06% |
C000169890 Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending December 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0150%
- Total broker commissions: $27K
- Bought from dealers (principal trades, not a cost): $399.4M
- Portfolio turnover (prospectus): 40%
- Securities lending: none during the year
C000169890 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $5K | 20.85% |
| National Financial Services LLC | $4K | 15.53% |
| J.P. Morgan Securities LLC | $3K | 13.84% |
| Goldman Sachs & Co. LLC | $3K | 10.97% |
| Citigroup Global Markets Inc. | $2K | 9.03% |
| Morgan Stanley & Co. LLC | $2K | 7.54% |
| Jefferies LLC | $2K | 7.27% |
| UBS Securities LLC | $2K | 7.04% |
| RBC Capital Markets, LLC | $971 | 4.19% |
| Barclays Capital Inc. | $865 | 3.74% |
C000169890 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $399.0M | 99.89% |
| J.P. Morgan Securities LLC | $222K | 0.06% |
| BNY Capital Markets, LLC | $90K | 0.02% |
| Morgan Stanley & Co. LLC | $40K | 0.01% |
| UBS Securities LLC | $32K | 0.01% |
| Goldman Sachs & Co. LLC | $27K | 0.01% |
| Citigroup Global Markets Inc. | $9K | 0.00% |
| Jefferies LLC | $8K | 0.00% |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.