C000219765 Fees and Costs — Guardian All Cap Core VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.83%: a 0.44% management fee, a 0.25% 12b-1 fee plus 0.14% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $37K in broker commissions, 0.0172% of average net assets, and portfolio turnover was 69%.
C000219765 Fees and Expenses
Annual operating expenses and sales charges of C000219765. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.44% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.14% |
| Gross expense ratio | 0.83% |
| Fee waiver | — |
| Net expense ratio | 0.83% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | No |
C000219765 Costs Over Time
On $10,000 invested in C000219765, assuming 5% a year before costs, total costs come to $532 over 5 years, cutting the return by 0.89% 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 0.83%) | $87 | $272 | $473 |
| Trading costs (broker commissions) | $2 | $6 | $10 |
| Lost growth on money paid in costs | $0 | $14 | $49 |
| Total costs | $89 | $292 | $532 |
| Value after costs | $10,411 | $11,285 | $12,231 |
| Impact on return, per year | 0.89% | 0.89% | 0.89% |
C000219765 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): 0.0172%
- Total broker commissions: $37K
- Bought from dealers (principal trades, not a cost): $387.0M
- Portfolio turnover (prospectus): 69%
- Securities lending: none during the year
C000219765 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Jefferies LLC | $9K | 26.78% |
| J.P. Morgan Securities LLC | $6K | 17.73% |
| BofA Securities, Inc. | $3K | 8.82% |
| National Financial Services LLC | $3K | 8.75% |
| Morgan Stanley & Co. LLC | $3K | 7.99% |
| Goldman Sachs & Co. LLC | $2K | 7.01% |
| JonesTrading Institutional Services LLC | $2K | 6.18% |
| BMO Capital Markets Corp. | $2K | 6.08% |
| UBS Securities LLC | $2K | 5.50% |
| Citigroup Global Markets Inc. | $2K | 5.15% |
C000219765 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $386.8M | 99.92% |
| J.P. Morgan Securities LLC | $104K | 0.03% |
| Morgan Stanley & Co. LLC | $76K | 0.02% |
| Goldman Sachs & Co. LLC | $38K | 0.01% |
| BofA Securities, Inc. | $37K | 0.01% |
| Jefferies LLC | $37K | 0.01% |
| Citigroup Global Markets Inc. | $3K | 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.