C000169894 Fees and Costs — Guardian Integrated Research VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.84%: a 0.48% management fee, a 0.25% 12b-1 fee plus 0.13% other expenses, less a 0.02% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $31K in broker commissions, 0.0116% of average net assets, and portfolio turnover was 34%.
C000169894 Fees and Expenses
Annual operating expenses and sales charges of C000169894. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.48% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.13% |
| Gross expense ratio | 0.86% |
| Fee waiver | −0.02% |
| Net expense ratio | 0.84% |
| 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 |
C000169894 Costs Over Time
On $10,000 invested in C000169894, assuming 5% a year before costs, total costs come to $534 over 5 years, cutting the return by 0.89% 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 0.84%) | $88 | $276 | $479 |
| Trading costs (broker commissions) | $1 | $4 | $7 |
| Lost growth on money paid in costs | $0 | $14 | $49 |
| Total costs | $89 | $293 | $534 |
| Value after costs | $10,411 | $11,283 | $12,229 |
| Impact on return, per year | 0.89% | 0.89% | 0.89% |
C000169894 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): 0.0116%
- Total broker commissions: $31K
- Bought from dealers (principal trades, not a cost): $300.0M
- Portfolio turnover (prospectus): 34%
- Securities lending: none during the year
C000169894 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| UBS Securities LLC | $4K | 18.27% |
| Goldman Sachs & Co. LLC | $4K | 17.06% |
| Morgan Stanley & Co. LLC | $3K | 14.58% |
| J.P. Morgan Securities LLC | $3K | 11.50% |
| RBC Capital Markets, LLC | $2K | 7.88% |
| Jefferies LLC | $2K | 6.92% |
| Citigroup Global Markets Inc. | $2K | 6.85% |
| TD Securities (USA) LLC | $1K | 5.97% |
| Barclays Capital Inc. | $1K | 5.75% |
| BofA Securities, Inc. | $1K | 5.23% |
C000169894 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $298.9M | 99.63% |
| Goldman Sachs & Co. LLC | $581K | 0.19% |
| Morgan Stanley & Co. LLC | $529K | 0.18% |
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.