C000169891 Fees and Costs — Guardian International Equity VIP Fund
Data updated: 2026-08-14
The net expense ratio is 1.11%: a 0.77% management fee, a 0.25% 12b-1 fee plus 0.16% other expenses, less a 0.07% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $55K in broker commissions, 0.0251% of average net assets, and portfolio turnover was 33%.
C000169891 Fees and Expenses
Annual operating expenses and sales charges of C000169891. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.77% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.16% |
| Gross expense ratio | 1.18% |
| Fee waiver | −0.07% |
| Net expense ratio | 1.11% |
| 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 |
C000169891 Costs Over Time
On $10,000 invested in C000169891, assuming 5% a year before costs, total costs come to $708 over 5 years, cutting the return by 1.19% 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 1.11%) | $117 | $363 | $629 |
| Trading costs (broker commissions) | $3 | $8 | $14 |
| Lost growth on money paid in costs | $0 | $18 | $65 |
| Total costs | $119 | $390 | $708 |
| Value after costs | $10,381 | $11,187 | $12,055 |
| Impact on return, per year | 1.19% | 1.19% | 1.19% |
C000169891 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): 0.0251%
- Total broker commissions: $55K
- Bought from dealers (principal trades, not a cost): $265.2M
- Portfolio turnover (prospectus): 33%
- Securities lending: none during the year
C000169891 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $7K | 16.10% |
| J.P. Morgan Securities LLC | $7K | 15.25% |
| UBS Securities LLC | $6K | 13.67% |
| Barclays Capital Inc. | $5K | 11.72% |
| BofA Securities, Inc. | $5K | 10.05% |
| BNP Paribas Securities Corp. | $4K | 7.96% |
| Citigroup Global Markets Inc. | $3K | 7.60% |
| Nomura Securities International, Inc. | $3K | 6.85% |
| Jefferies LLC | $3K | 6.39% |
| Berenberg Capital Markets LLC | $2K | 4.41% |
C000169891 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $265.2M | 100.00% |
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.