C000223918 Fees and Costs — Guardian Equity Income VIP Fund
Data updated: 2026-08-14
The net expense ratio is 0.55%: a 0.50% management fee plus 0.09% other expenses, less a 0.04% fee waiver. There are no sales loads or redemption fees. In fiscal 2025 the fund paid $352K in broker commissions, 0.0526% of average net assets, and portfolio turnover was 152%.
C000223918 Fees and Expenses
Annual operating expenses and sales charges of C000223918. Prospectus, as of April 30, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.50% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.09% |
| Gross expense ratio | 0.59% |
| Fee waiver | −0.04% |
| Net expense ratio | 0.55% |
| 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 |
C000223918 Costs Over Time
On $10,000 invested in C000223918, assuming 5% a year before costs, total costs come to $380 over 5 years, cutting the return by 0.63% 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 0.55%) | $58 | $181 | $315 |
| Trading costs (broker commissions) | $6 | $17 | $30 |
| Lost growth on money paid in costs | $0 | $10 | $35 |
| Total costs | $63 | $208 | $380 |
| Value after costs | $10,437 | $11,368 | $12,383 |
| Impact on return, per year | 0.63% | 0.63% | 0.63% |
C000223918 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): 0.0526%
- Total broker commissions: $352K
- Bought from dealers (principal trades, not a cost): $3.3B
- Portfolio turnover (prospectus): 152%
- Securities lending: none during the year
C000223918 Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| BofA Securities, Inc. | $153K | 50.81% |
| Morgan Stanley & Co. LLC | $30K | 9.88% |
| Goldman Sachs & Co. LLC | $22K | 7.20% |
| J.P. Morgan Securities LLC | $21K | 7.00% |
| Citigroup Global Markets Inc. | $19K | 6.40% |
| RBC Capital Markets, LLC | $17K | 5.74% |
| UBS Securities LLC | $13K | 4.45% |
| Barclays Capital Inc. | $11K | 3.71% |
| Jefferies LLC | $8K | 2.75% |
| Capital Institutional Services, Inc. | $6K | 2.07% |
C000223918 Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| State Street Bank and Trust Company | $3.3B | 99.58% |
| Barclays Capital Inc. | $5.0M | 0.15% |
| J.P. Morgan Securities LLC | $4.5M | 0.14% |
| Morgan Stanley & Co. LLC | $4.1M | 0.12% |
| Citigroup Global Markets Inc. | $366K | 0.01% |
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.