C000169895 Fees and Costs — Guardian Diversified Research VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.93%: a 0.60% management fee, a 0.25% 12b-1 fee plus 0.19% other expenses, less a 0.11% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $41K in broker commissions, 0.0386% of average net assets, and portfolio turnover was 75%.
C000169895 Fees and Expenses
Annual operating expenses and sales charges of C000169895. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.60% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.19% |
| Gross expense ratio | 1.04% |
| Fee waiver | −0.11% |
| Net expense ratio | 0.93% |
| 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 |
C000169895 Costs Over Time
On $10,000 invested in C000169895, assuming 5% a year before costs, total costs come to $606 over 5 years, cutting the return by 1.02% 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 0.93%) | $98 | $305 | $529 |
| Trading costs (broker commissions) | $4 | $13 | $22 |
| Lost growth on money paid in costs | $0 | $16 | $56 |
| Total costs | $102 | $333 | $606 |
| Value after costs | $10,398 | $11,243 | $12,157 |
| Impact on return, per year | 1.02% | 1.02% | 1.02% |
C000169895 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): 0.0386%
- Total broker commissions: $41K
- Bought from dealers (principal trades, not a cost): $209.1M
- Portfolio turnover (prospectus): 75%
- Securities lending: none during the year
C000169895 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Citigroup Global Markets Inc. | $9K | 24.00% |
| Goldman Sachs & Co. LLC | $5K | 13.52% |
| BofA Securities, Inc. | $4K | 11.55% |
| UBS Securities LLC | $4K | 10.29% |
| BNY Capital Markets, LLC | $4K | 10.03% |
| J.P. Morgan Securities LLC | $3K | 9.60% |
| RBC Capital Markets, LLC | $3K | 8.66% |
| Barclays Capital Inc. | $2K | 4.94% |
| Piper Sandler & Co. | $2K | 4.18% |
| Stifel, Nicolaus & Company, Incorporated | $1K | 3.23% |
C000169895 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $208.3M | 99.59% |
| Goldman Sachs & Co. LLC | $594K | 0.28% |
| J.P. Morgan Securities LLC | $90K | 0.04% |
| Morgan Stanley & Co. LLC | $74K | 0.04% |
| BofA Securities, Inc. | $71K | 0.03% |
| Citigroup Global Markets Inc. | $28K | 0.01% |
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.