C000200221 Fees and Costs — Guardian U.S. Government/Credit VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.73%: a 0.47% management fee, a 0.25% 12b-1 fee plus 0.17% other expenses, less a 0.16% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $3K in broker commissions, 0.0018% of average net assets, and portfolio turnover was 157%.
C000200221 Fees and Expenses
Annual operating expenses and sales charges of C000200221. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.47% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.17% |
| Gross expense ratio | 0.89% |
| Fee waiver | −0.16% |
| Net expense ratio | 0.73% |
| 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 |
C000200221 Costs Over Time
On $10,000 invested in C000200221, assuming 5% a year before costs, total costs come to $460 over 5 years, cutting the return by 0.77% 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 0.73%) | $77 | $240 | $417 |
| Trading costs (broker commissions) | $0 | $1 | $1 |
| Lost growth on money paid in costs | $0 | $12 | $42 |
| Total costs | $77 | $252 | $460 |
| Value after costs | $10,423 | $11,324 | $12,303 |
| Impact on return, per year | 0.77% | 0.77% | 0.77% |
C000200221 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): 0.0018%
- Total broker commissions: $3K
- Bought from dealers (principal trades, not a cost): $1.1B
- Portfolio turnover (prospectus): 157%
- Securities lending: none during the year
C000200221 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $3K | 100.00% |
C000200221 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $301.8M | 32.23% |
| Goldman Sachs & Co. LLC | $255.1M | 27.24% |
| J.P. Morgan Securities LLC | $94.8M | 10.13% |
| Morgan Stanley & Co. LLC | $67.3M | 7.19% |
| Barclays Capital Inc. | $48.4M | 5.17% |
| BofA Securities, Inc. | $44.6M | 4.76% |
| Citadel Securities LLC | $40.4M | 4.32% |
| Wells Fargo Securities, LLC | $37.5M | 4.00% |
| Nomura Securities International, Inc. | $25.0M | 2.67% |
| BMO Capital Markets Corp. | $21.5M | 2.30% |
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.