C000219766 Fees and Costs — Guardian Balanced Allocation VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.91%: a 0.48% management fee, a 0.25% 12b-1 fee plus 0.18% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $62K in broker commissions, 0.0294% of average net assets, and portfolio turnover was 137%.
C000219766 Fees and Expenses
Annual operating expenses and sales charges of C000219766. Prospectus, as of May 1, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.48% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.18% |
| Gross expense ratio | 0.91% |
| Fee waiver | — |
| Net expense ratio | 0.91% |
| 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 |
C000219766 Costs Over Time
On $10,000 invested in C000219766, assuming 5% a year before costs, total costs come to $588 over 5 years, cutting the return by 0.99% 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 0.91%) | $96 | $298 | $518 |
| Trading costs (broker commissions) | $3 | $10 | $17 |
| Lost growth on money paid in costs | $0 | $15 | $54 |
| Total costs | $99 | $323 | $588 |
| Value after costs | $10,401 | $11,253 | $12,175 |
| Impact on return, per year | 0.99% | 0.99% | 0.99% |
C000219766 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): 0.0294%
- Total broker commissions: $62K
- Bought from dealers (principal trades, not a cost): $677.5M
- Portfolio turnover (prospectus): 137%
- Securities lending: none during the year
C000219766 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $8K | 16.32% |
| Morgan Stanley & Co. LLC | $7K | 15.81% |
| UBS Securities LLC | $7K | 14.28% |
| J.P. Morgan Securities LLC | $7K | 13.93% |
| Barclays Capital Inc. | $5K | 11.26% |
| Citigroup Global Markets Inc. | $3K | 7.09% |
| Jefferies LLC | $3K | 5.97% |
| BofA Securities, Inc. | $3K | 5.55% |
| RBC Capital Markets, LLC | $2K | 5.06% |
| Evercore Group L.L.C. | $2K | 4.74% |
C000219766 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $282.3M | 46.02% |
| Morgan Stanley & Co. LLC | $93.5M | 15.24% |
| J.P. Morgan Securities LLC | $45.2M | 7.37% |
| BofA Securities, Inc. | $44.3M | 7.23% |
| Wells Fargo Securities, LLC | $36.1M | 5.88% |
| Barclays Capital Inc. | $35.4M | 5.77% |
| Goldman Sachs & Co. LLC | $25.3M | 4.12% |
| Citadel Securities LLC | $20.4M | 3.33% |
| BMO Capital Markets Corp. | $16.2M | 2.65% |
| Citigroup Global Markets Inc. | $14.7M | 2.40% |
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.