C000169900 Fees and Costs — Guardian International Growth VIP Fund
Data updated: 2026-08-14
The net expense ratio is 1.11%: a 0.80% management fee, a 0.25% 12b-1 fee plus 0.27% other expenses, less a 0.21% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $38K in broker commissions, 0.0509% of average net assets, and portfolio turnover was 57%.
C000169900 Fees and Expenses
Annual operating expenses and sales charges of C000169900. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.80% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.27% |
| Gross expense ratio | 1.32% |
| Fee waiver | −0.21% |
| Net expense ratio | 1.11% |
| 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 |
C000169900 Costs Over Time
On $10,000 invested in C000169900, assuming 5% a year before costs, total costs come to $724 over 5 years, cutting the return by 1.22% 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 1.11%) | $117 | $363 | $629 |
| Trading costs (broker commissions) | $5 | $17 | $29 |
| Lost growth on money paid in costs | $0 | $19 | $66 |
| Total costs | $122 | $399 | $724 |
| Value after costs | $10,378 | $11,178 | $12,039 |
| Impact on return, per year | 1.22% | 1.22% | 1.22% |
C000169900 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): 0.0509%
- Total broker commissions: $38K
- Bought from dealers (principal trades, not a cost): $192.3M
- Portfolio turnover (prospectus): 57%
- Securities lending: none during the year
C000169900 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $6K | 19.56% |
| Goldman Sachs & Co. LLC | $6K | 18.46% |
| Jefferies LLC | $5K | 13.97% |
| Barclays Capital Inc. | $4K | 11.70% |
| UBS Securities LLC | $3K | 7.66% |
| BNP Paribas Securities Corp. | $3K | 7.65% |
| Citigroup Global Markets Inc. | $2K | 6.94% |
| Morgan Stanley & Co. LLC | $2K | 6.83% |
| CLSA Americas, LLC | $1K | 3.74% |
| Mizuho Securities USA LLC | $1K | 3.49% |
C000169900 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $192.3M | 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.