C000219768 Fees and Costs — Guardian Small-Mid Cap Core VIP Fund
Data updated: 2026-08-14
The net expense ratio is 1.03%: a 0.64% management fee, a 0.25% 12b-1 fee plus 0.13% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $205K in broker commissions, 0.0922% of average net assets, and portfolio turnover was 72%.
C000219768 Fees and Expenses
Annual operating expenses and sales charges of C000219768. Prospectus, as of May 1, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.64% |
| 12b-1 fee | 0.25% |
| Other expenses | 0.13% |
| Gross expense ratio | 1.03% |
| Fee waiver | — |
| Net expense ratio | 1.03% |
| 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 |
C000219768 Costs Over Time
On $10,000 invested in C000219768, assuming 5% a year before costs, total costs come to $700 over 5 years, cutting the return by 1.18% 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 1.03%) | $108 | $337 | $584 |
| Trading costs (broker commissions) | $10 | $30 | $52 |
| Lost growth on money paid in costs | $0 | $18 | $64 |
| Total costs | $118 | $385 | $700 |
| Value after costs | $10,382 | $11,191 | $12,063 |
| Impact on return, per year | 1.18% | 1.18% | 1.18% |
C000219768 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): 0.0922%
- Total broker commissions: $205K
- Bought from dealers (principal trades, not a cost): $444.3M
- Portfolio turnover (prospectus): 72%
- Securities lending: none during the year
C000219768 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Citigroup Global Markets Inc. | $52K | 31.13% |
| Goldman Sachs & Co. LLC | $42K | 24.76% |
| Liquidnet, Inc. | $18K | 10.52% |
| BofA Securities, Inc. | $12K | 7.37% |
| Barclays Capital Inc. | $11K | 6.74% |
| Raymond James & Associates, Inc. | $8K | 4.54% |
| J.P. Morgan Securities LLC | $7K | 4.27% |
| Jefferies LLC | $7K | 3.94% |
| UBS Securities LLC | $6K | 3.62% |
| Morgan Stanley & Co. LLC | $5K | 3.11% |
C000219768 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $444.1M | 99.96% |
| Morgan Stanley & Co. LLC | $185K | 0.04% |
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.