C000200220 Fees and Costs — Guardian Total Return Bond VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.82%: a 0.45% management fee, a 0.25% 12b-1 fee plus 0.15% other expenses, less a 0.03% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $210K in broker commissions, 0.1018% of average net assets, and portfolio turnover was 107%.
C000200220 Fees and Expenses
Annual operating expenses and sales charges of C000200220. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.45% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.15% |
| Gross expense ratio | 0.85% |
| Fee waiver | −0.03% |
| Net expense ratio | 0.82% |
| 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 |
C000200220 Costs Over Time
On $10,000 invested in C000200220, assuming 5% a year before costs, total costs come to $577 over 5 years, cutting the return by 0.97% 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 0.82%) | $86 | $269 | $467 |
| Trading costs (broker commissions) | $11 | $33 | $58 |
| Lost growth on money paid in costs | $0 | $15 | $53 |
| Total costs | $97 | $317 | $577 |
| Value after costs | $10,403 | $11,259 | $12,185 |
| Impact on return, per year | 0.97% | 0.97% | 0.97% |
C000200220 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): 0.1018%
- Total broker commissions: $210K
- Bought from dealers (principal trades, not a cost): $797.0M
- Portfolio turnover (prospectus): 107%
- Securities lending: none during the year
C000200220 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $203K | 96.58% |
| Goldman Sachs & Co. LLC | $7K | 3.20% |
| Piper Sandler & Co. | $470 | 0.22% |
C000200220 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $475.4M | 66.01% |
| Goldman Sachs & Co. LLC | $76.5M | 10.62% |
| BofA Securities, Inc. | $36.3M | 5.04% |
| J.P. Morgan Securities LLC | $29.2M | 4.05% |
| RBC Capital Markets, LLC | $23.4M | 3.25% |
| BNY Capital Markets, LLC | $17.9M | 2.48% |
| Citigroup Global Markets Inc. | $17.2M | 2.39% |
| BMO Capital Markets Corp. | $16.0M | 2.22% |
| Barclays Capital Inc. | $14.8M | 2.06% |
| Morgan Stanley & Co. LLC | $13.5M | 1.87% |
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.