C000169898 Fees and Costs — Guardian Mid Cap Traditional Growth VIP Fund
Data updated: 2026-08-14
The net expense ratio is 1.07%: a 0.80% management fee, a 0.25% 12b-1 fee plus 0.34% other expenses, less a 0.32% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $8K in broker commissions, 0.0181% of average net assets, and portfolio turnover was 21%.
C000169898 Fees and Expenses
Annual operating expenses and sales charges of C000169898. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.80% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.34% |
| Gross expense ratio | 1.39% |
| Fee waiver | −0.32% |
| Net expense ratio | 1.07% |
| 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 |
C000169898 Costs Over Time
On $10,000 invested in C000169898, assuming 5% a year before costs, total costs come to $679 over 5 years, cutting the return by 1.14% 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 1.07%) | $112 | $350 | $607 |
| Trading costs (broker commissions) | $2 | $6 | $10 |
| Lost growth on money paid in costs | $0 | $18 | $62 |
| Total costs | $114 | $374 | $679 |
| Value after costs | $10,386 | $11,202 | $12,083 |
| Impact on return, per year | 1.14% | 1.14% | 1.14% |
C000169898 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): 0.0181%
- Total broker commissions: $8K
- Bought from dealers (principal trades, not a cost): $88.7M
- Portfolio turnover (prospectus): 21%
- Securities lending: none during the year
C000169898 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| RBC Capital Markets, LLC | $2K | 28.05% |
| BofA Securities, Inc. | $1K | 15.58% |
| Goldman Sachs & Co. LLC | $675 | 9.93% |
| Jefferies LLC | $604 | 8.88% |
| J.P. Morgan Securities LLC | $527 | 7.76% |
| Morgan Stanley & Co. LLC | $497 | 7.31% |
| Citigroup Global Markets Inc. | $455 | 6.69% |
| UBS Securities LLC | $404 | 5.94% |
| William Blair & Company, L.L.C. | $380 | 5.59% |
| Liquidnet, Inc. | $291 | 4.28% |
C000169898 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $88.4M | 99.62% |
| Goldman Sachs & Co. LLC | $202K | 0.23% |
| BNY Capital Markets, LLC | $89K | 0.10% |
| J.P. Morgan Securities LLC | $35K | 0.04% |
| Citigroup Global Markets Inc. | $8K | 0.01% |
| SG Americas Securities, LLC | $155 | 0.00% |
| Liquidnet, Inc. | $75 | 0.00% |
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.