C000169897 Fees and Costs — Guardian Growth & Income VIP Fund
Data updated: 2026-08-14
The net expense ratio is 1.03% (1.14% before fee waivers). There are no sales loads or redemption fees. In fiscal 2025 the fund paid $16K in broker commissions, 0.0159% of average net assets, and portfolio turnover was 59%.
C000169897 Fees and Expenses
Annual operating expenses and sales charges of C000169897. Prospectus, as of May 1, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.65% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.19% |
| Gross expense ratio | 1.14% |
| Fee waiver | −0.11% |
| Net expense ratio | 1.03% |
| 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 |
C000169897 Costs Over Time
On $10,000 invested in C000169897, assuming 5% a year before costs, total costs come to $654 over 5 years, cutting the return by 1.10% 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 1.03%) | $108 | $337 | $585 |
| Trading costs (broker commissions) | $2 | $5 | $9 |
| Lost growth on money paid in costs | $0 | $17 | $60 |
| Total costs | $110 | $359 | $654 |
| Value after costs | $10,390 | $11,217 | $12,109 |
| Impact on return, per year | 1.10% | 1.10% | 1.10% |
C000169897 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): 0.0159%
- Total broker commissions: $16K
- Bought from dealers (principal trades, not a cost): $331.0M
- Portfolio turnover (prospectus): 59%
- Securities lending: none during the year
C000169897 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Jefferies LLC | $3K | 23.39% |
| BofA Securities, Inc. | $2K | 12.54% |
| Barclays Capital Inc. | $2K | 11.55% |
| Goldman Sachs & Co. LLC | $1K | 10.32% |
| UBS Securities LLC | $1K | 10.23% |
| J.P. Morgan Securities LLC | $1K | 9.25% |
| Citigroup Global Markets Inc. | $887 | 6.78% |
| Wells Fargo Securities, LLC | $771 | 5.89% |
| Morgan Stanley & Co. LLC | $682 | 5.21% |
| TD Securities (USA) LLC | $633 | 4.84% |
C000169897 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $331.0M | 100.00% |
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.