C000223917 Fees and Costs — Guardian Core Fixed Income VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.57%: a 0.44% management fee plus 0.13% other expenses. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $6K in broker commissions, 0.0017% of average net assets, and portfolio turnover was 116%.
C000223917 Fees and Expenses
Annual operating expenses and sales charges of C000223917. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.44% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.13% |
| Gross expense ratio | 0.57% |
| Fee waiver | — |
| Net expense ratio | 0.57% |
| 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 |
C000223917 Costs Over Time
On $10,000 invested in C000223917, assuming 5% a year before costs, total costs come to $361 over 5 years, cutting the return by 0.60% 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 0.57%) | $60 | $188 | $327 |
| Trading costs (broker commissions) | $0 | $1 | $1 |
| Lost growth on money paid in costs | $0 | $9 | $33 |
| Total costs | $60 | $197 | $361 |
| Value after costs | $10,440 | $11,379 | $12,402 |
| Impact on return, per year | 0.60% | 0.60% | 0.60% |
C000223917 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): 0.0017%
- Total broker commissions: $6K
- Bought from dealers (principal trades, not a cost): $6.3B
- Portfolio turnover (prospectus): 116%
- Securities lending: none during the year
C000223917 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Goldman Sachs & Co. LLC | $4K | 68.21% |
| BofA Securities, Inc. | $2K | 31.79% |
C000223917 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $4.4B | 72.56% |
| Goldman Sachs & Co. LLC | $569.5M | 9.34% |
| Morgan Stanley & Co. LLC | $375.1M | 6.15% |
| Barclays Capital Inc. | $334.9M | 5.49% |
| BofA Securities, Inc. | $152.4M | 2.50% |
| J.P. Morgan Securities LLC | $59.0M | 0.97% |
| BNY Capital Markets, LLC | $51.1M | 0.84% |
| Wells Fargo Securities, LLC | $50.7M | 0.83% |
| Citigroup Global Markets Inc. | $45.4M | 0.74% |
| BNP Paribas Securities Corp. | $34.4M | 0.56% |
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.