C000169896 Fees and Costs — Guardian Large Cap Disciplined Value VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.98%: a 0.65% management fee, a 0.25% 12b-1 fee plus 0.21% other expenses, less a 0.13% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $26K in broker commissions, 0.0309% of average net assets, and portfolio turnover was 48%.
C000169896 Fees and Expenses
Annual operating expenses and sales charges of C000169896. Prospectus, as of May 1, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.65% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.21% |
| Gross expense ratio | 1.11% |
| Fee waiver | −0.13% |
| Net expense ratio | 0.98% |
| 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 |
C000169896 Costs Over Time
On $10,000 invested in C000169896, assuming 5% a year before costs, total costs come to $632 over 5 years, cutting the return by 1.06% 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 0.98%) | $103 | $321 | $557 |
| Trading costs (broker commissions) | $3 | $10 | $18 |
| Lost growth on money paid in costs | $0 | $16 | $58 |
| Total costs | $106 | $348 | $632 |
| Value after costs | $10,394 | $11,229 | $12,131 |
| Impact on return, per year | 1.06% | 1.06% | 1.06% |
C000169896 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): 0.0309%
- Total broker commissions: $26K
- Bought from dealers (principal trades, not a cost): $260.4M
- Portfolio turnover (prospectus): 48%
- Securities lending: none during the year
C000169896 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| National Financial Services LLC | $7K | 28.07% |
| RBC Capital Markets, LLC | $5K | 20.05% |
| Morgan Stanley & Co. LLC | $3K | 12.79% |
| J.P. Morgan Securities LLC | $3K | 10.35% |
| UBS Securities LLC | $2K | 7.96% |
| BofA Securities, Inc. | $2K | 7.79% |
| Goldman Sachs & Co. LLC | $1K | 4.19% |
| Jefferies LLC | $895 | 3.67% |
| Evercore Group L.L.C. | $736 | 3.01% |
| BNY Capital Markets, LLC | $515 | 2.11% |
C000169896 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $260.2M | 99.93% |
| TD Securities (USA) LLC | $165K | 0.06% |
| Barclays Capital Inc. | $16K | 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.