C000169892 Fees and Costs — Guardian Core Plus Fixed Income VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.83%: a 0.45% management fee, a 0.25% 12b-1 fee plus 0.25% other expenses, less a 0.12% fee waiver. There are no sales loads or redemption fees. Portfolio turnover was 116%.
C000169892 Fees and Expenses
Annual operating expenses and sales charges of C000169892. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.45% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.25% |
| Gross expense ratio | 0.95% |
| Fee waiver | −0.12% |
| Net expense ratio | 0.83% |
| 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 |
C000169892 Costs Over Time
On $10,000 invested in C000169892, assuming 5% a year before costs, total costs come to $521 over 5 years, cutting the return by 0.87% 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 0.83%) | $87 | $272 | $473 |
| Lost growth on money paid in costs | $0 | $13 | $48 |
| Total costs | $87 | $286 | $521 |
| Value after costs | $10,413 | $11,290 | $12,242 |
| Impact on return, per year | 0.87% | 0.87% | 0.87% |
C000169892 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): —
- Total broker commissions: —
- Bought from dealers (principal trades, not a cost): $2.1B
- Portfolio turnover (prospectus): 116%
- Securities lending: none during the year
C000169892 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $619.7M | 30.83% |
| Citigroup Global Markets Inc. | $434.9M | 21.64% |
| Mizuho Securities USA LLC | $268.1M | 13.34% |
| Goldman Sachs & Co. LLC | $226.7M | 11.28% |
| Morgan Stanley & Co. LLC | $209.5M | 10.42% |
| BofA Securities, Inc. | $104.9M | 5.22% |
| Barclays Capital Inc. | $60.3M | 3.00% |
| J.P. Morgan Securities LLC | $42.1M | 2.09% |
| Citadel Securities LLC | $24.5M | 1.22% |
| Deutsche Bank Securities Inc. | $19.4M | 0.96% |
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.