C000169893 Fees and Costs — Guardian Large Cap Disciplined Growth VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.87%: a 0.58% management fee, a 0.25% 12b-1 fee plus 0.11% other expenses, less a 0.07% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $36K in broker commissions, 0.0100% of average net assets, and portfolio turnover was 42%.
C000169893 Fees and Expenses
Annual operating expenses and sales charges of C000169893. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.58% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.11% |
| Gross expense ratio | 0.94% |
| Fee waiver | −0.07% |
| Net expense ratio | 0.87% |
| 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 |
C000169893 Costs Over Time
On $10,000 invested in C000169893, assuming 5% a year before costs, total costs come to $552 over 5 years, cutting the return by 0.92% 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 0.87%) | $91 | $285 | $496 |
| Trading costs (broker commissions) | $1 | $3 | $6 |
| Lost growth on money paid in costs | $0 | $14 | $51 |
| Total costs | $92 | $303 | $552 |
| Value after costs | $10,408 | $11,273 | $12,211 |
| Impact on return, per year | 0.92% | 0.92% | 0.92% |
C000169893 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): 0.0100%
- Total broker commissions: $36K
- Bought from dealers (principal trades, not a cost): $361.5M
- Portfolio turnover (prospectus): 42%
- Securities lending: none during the year
C000169893 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $4K | 15.63% |
| Morgan Stanley & Co. LLC | $4K | 13.72% |
| J.P. Morgan Securities LLC | $3K | 11.89% |
| Jefferies LLC | $3K | 11.74% |
| RBC Capital Markets, LLC | $3K | 9.96% |
| UBS Securities LLC | $3K | 9.64% |
| Barclays Capital Inc. | $2K | 8.48% |
| Sanford C. Bernstein & Co., LLC | $2K | 8.21% |
| BofA Securities, Inc. | $2K | 5.79% |
| Citigroup Global Markets Inc. | $1K | 4.93% |
C000169893 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $361.2M | 99.92% |
| Goldman Sachs & Co. LLC | $148K | 0.04% |
| Morgan Stanley & Co. LLC | $125K | 0.03% |
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.