Insurance & Investment / Annuities

The Value Guard II

Non-Standardized Performance

04/23/2024

Reflecting all charges except the impact of surrender charges.

The 4/22/2024  unit values are as of the close of business for the variable investment options of The Value Guard II. These hypothetical returns reflect fund-level, separate account level, and contract level charges excluding the contingent deferred sales charges. The returns are calculated from the inception date of each investment option as if the contract had existed at that time. These unit values and returns are only for The Value Guard II basic contract. If you have a contract with any of the optional riders available with this product, unit values and returns would be lower.

The Value Guard II and its underlying investment options are sold by prospectus only. Prospectuses contain important information, including fees and expenses. Please read the prospectuses carefully before investing or sending money. Please consider the investment objectives, risks, fees and charges of the investment company carefully before investing. The prospectus contains this and other important information. To obtain a prospectus, please  Click here or contact your financial professional or call 1-888-GUARDIAN (1-888-482-7342).

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AB
Davis
Fidelity
Franklin Templeton
Gabelli
Invesco
Janus
MFS
Park Avenue
Victory

Fund NameDaily ValDaily ChgWeekly1 Month3 Month6 MonthIncep. DateYTD
%
1 Year
%
3 Year
%
5 Year
%
10 Year
%
Since Incep.
%
AB
AB VPS SUSTAINABLE GLOBAL THEMATIC PORTFOLIO CLASS B
27.534089 1.05 -1.21 -6.23 -1.08 14.48 1/11/96 -1.49% 8.35% -2.69% 8.35% 7.88% 5.32%
DAVIS
DAVIS FINANCIAL PORTFOLIO
39.002060 1.64 3.72 0.27 8.83 30.80 7/01/99 8.09% 24.81% 6.65% 8.40% 8.55% 5.52%
DAVIS REAL ESTATE PORTFOLIO 44.753081 0.99 -0.25 -4.60 -5.71 14.20 7/01/99 -8.20% 0.27% -3.83% 0.47% 3.93% 6.01%
FIDELITY
FIDELITY VIP GOVERNMENT MONEY MARKET PORTFOLIO SRCL2
10.220321 0.03 0.07 0.33 0.96 1.93 1/12/00 1.23% 3.89% 1.46% 0.75% N/A N/A
FIDELITY VIP EQUITY-INCOME PORTFOLIO (SERVICE CLASS) 39.559076 0.81 0.99 -1.41 5.76 17.42 10/09/86 5.65% 13.27% 6.34% 9.45% 7.73% 8.13%
FIDELITY VIP GROWTH OPPORTUNITIES PORTFOLIO (SERVICE CLASS) 61.966803 1.35 -2.40 -6.68 4.59 28.68 1/03/95 7.84% 38.02% -0.42% 14.51% 15.26% 9.27%
FIDELITY VIP MID CAP PORTFOLIO (SERVICE CLASS) 81.021116 0.81 -0.87 -4.70 5.23 23.41 12/28/98 5.10% 16.77% 3.29% 8.88% 7.46% 10.59%
FRANKLIN TEMPLETON
TEMPLETON GROWTH VIP FUND (CLASS 2 SHARES)
22.681374 0.98 -0.66 -3.15 3.90 17.70 3/15/94 2.27% 10.70% 1.55% 3.90% 2.12% 5.12%
GABELLI
GABELLI CAPITAL ASSET FUND
98.491924 0.19 0.18 -2.05 2.89 19.53 5/01/95 2.83% 9.19% 1.44% 5.01% 4.56% 8.21%
INVESCO
INVESCO V.I. AMERICAN FRANCHISE FUND (SERIES I)
30.095060 1.18 -3.12 -6.90 3.05 26.00 5/05/93 7.93% 33.76% 2.31% 12.65% 11.59% 7.84%
INVESCO V.I. EQUITY AND INCOME FUND SERIES I 23.173549 0.64 0.51 -1.57 4.25 15.48 5/02/94 3.93% 12.51% 3.54% 3.90% 4.07% 5.77%
FUND NAME
DAILY VAL
DAILY CHG
WEEKLY
1 MONTH
3 MONTH
6 MONTH
INCEP. DATE
YTD
%
%
1 YEAR
%
%
3 YEAR
%
%
5 YEAR
%
%
10 YEAR
%
%
SINCE INCEP.
%
%
INVESCO V.I. GOVERNMENT SECURITIES FUND (SERIES II SHARES) 9.961930 0.09 0.08 -1.95 -2.30 3.28 5/05/93 -2.94% -1.47% -4.58% -1.32% -0.47% N/A
JANUS
JANUS HENDERSON FORTY PORTFOLIO (INSTITUTIONAL SHARES)
59.732960 0.97 -2.34 -6.12 2.75 23.74 5/01/97 6.16% 30.13% 2.93% 13.11% 13.68% 11.08%
JANUS HENDERSON RESEARCH PORTFOLIO (INSTITUTIONAL SHARES) 36.730751 1.03 -2.58 -6.05 4.27 26.04 9/13/93 9.21% 36.26% 6.57% 13.38% 12.45% 8.56%
JANUS HENDERSON ENTERPRISE PORTFOLIO (INSTITUTIONAL SHARES) 37.768985 0.75 -0.69 -4.68 1.83 19.69 9/13/93 2.59% 12.61% 2.19% 8.69% 11.15% 9.94%
JANUS HENDERSON GLOBAL RESEARCH PORTFOLIO (INSTITUTIONAL SHARES) 22.699525 0.92 -1.02 -3.83 6.92 24.27 9/13/93 8.62% 24.29% 6.00% 10.66% 8.70% 7.82%
MFS
MFS GROWTH SERIES (INITIAL CLASS)
40.579075 1.09 -2.77 -6.19 5.28 25.26 7/24/95 10.00% 33.20% 4.80% 12.71% 13.01% 9.39%
MFS NEW DISCOVERY SERIES (INITIAL CLASS) 41.147104 0.93 -1.32 -5.59 -0.63 17.09 5/01/98 -0.92% 4.63% -9.00% 5.34% 7.03% 7.51%
MFS TOTAL RETURN SERIES (INITIAL CLASS) 34.212909 0.59 0.67 -2.16 1.97 13.01 1/03/95 0.85% 8.69% 1.50% 5.68% 5.39% 6.76%
PARK AVENUE
GUARDIAN STRATEGIC LARGE CAP CORE VIP FUND
11.868088 0.51 -0.02 -3.31 1.14 14.86 10/22/21 4.43% 18.01% N/A N/A N/A N/A
GUARDIAN EQUITY INCOME VIP FUND 10.991831 0.80 1.43 -1.14 3.45 12.57 4/29/22 1.41% 7.97% N/A N/A N/A 4.89%
GUARDIAN SHORT DURATION BOND VIP FUND 10.011270 0.09 -0.02 -0.38 -0.05 2.42 4/29/22 0.09% 2.32% N/A N/A N/A 0.06%
FUND NAME
DAILY VAL
DAILY CHG
WEEKLY
1 MONTH
3 MONTH
6 MONTH
INCEP. DATE
YTD
%
%
1 YEAR
%
%
3 YEAR
%
%
5 YEAR
%
%
10 YEAR
%
%
SINCE INCEP.
%
%
GUARDIAN CORE FIXED INCOME VIP FUND 9.658277 -0.01 -0.02 -2.17 -1.84 5.06 4/29/22 -3.16% -1.29% N/A N/A N/A -1.73%
GUARDIAN LARGE CAP DISCIPLINED GROWTH VIP FUND 12.310224 1.00 -2.30 -6.17 3.42 24.21 9/01/16 7.03% 32.30% N/A N/A N/A N/A
GUARDIAN ALL CAP CORE VIP FUND 11.632591 0.91 -0.83 -4.11 3.34 20.68 10/22/21 4.97% 20.20% N/A N/A N/A N/A
GUARDIAN INTEGRATED RESEARCH VIP FUND 11.787898 0.86 -0.88 -4.15 4.74 22.05 9/01/16 7.60% 24.00% N/A N/A N/A N/A
GUARDIAN BALANCED ALLOCATION VIP FUND 11.266401 0.69 -0.54 -3.28 2.07 15.97 4/29/22 2.74% 13.09% N/A N/A N/A 6.20%
VICTORY
VICTORY RS SMALL CAP GROWTH EQUITY VIP SERIES
61.937840 1.25 -1.85 -7.56 0.80 21.74 5/01/97 0.53% 10.09% -12.29% 0.44% 5.64% N/A
VICTORY RS LARGE CAP ALPHA VIP SERIES 415.150672 0.77 1.00 -1.39 7.89 19.06 4/13/83 9.24% 20.71% 8.02% 9.50% 8.32% 9.50%
VICTORY 500 INDEX VIP SERIES 42.755036 0.90 -1.03 -4.30 2.92 20.03 8/25/99 4.95% 22.26% 6.63% 12.04% 11.02% N/A
VICTORY HIGH YIELD VIP SERIES 29.076487 0.32 -0.02 -1.52 0.58 8.31 9/13/99 0.84% 7.94% -0.97% 2.48% 3.13% 4.39%
VICTORY SOPHUS EMERGING MARKETS VIP SERIES 46.191160 1.01 -0.20 -1.17 6.28 12.79 10/17/94 2.90% 9.58% -8.16% 0.33% 1.87% 5.32%
VICTORY RS INTERNATIONAL VIP SERIES 58.334970 1.15 -0.19 -3.44 3.97 17.25 2/08/91 2.56% 10.86% 2.29% 5.27% 4.31% 5.45%

N/A Not Available

Investments in The Value Guard II or any of its investment options are not deposits or obligations of, or guaranteed or endorsed by any bank or depository institution; further, neither the contract nor such investments are insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Association (NCUA), the Federal Reserve Board, or any other government agency.


Investments in any of the variable investment options involve risk, including the possible loss of principal. This information is authorized for use with the public only when preceded or accompanied by a prospectus for The Value Guard II.


Performance data quoted is historical. Past performance is no guarantee of future results. The Value Guard II contract unit values and investment returns will fluctuate to reflect the investment performance of the investment options, and may be higher or lower than the amount invested through purchase payments. Contract owner units, when redeemed, may be worth more or less than the original investment. Investment in any of the variable investment options involves risk, including the possible loss of principal.


Charges and expenses for this variable annuity include: a) the investment division charges consisting of fund-level expenses, which are similar to the charges on traditional mutual funds (these fees range from 0.28% to 1.35% for the year ended 12/31/19 after giving effect to applicable fee waivers, expense reimbursements or reductions, offset arrangements, or custody credits; in the absence of such arrangements these fees would be higher), b) the separate account level charges consisting of the annual mortality and expense risk charge (M&E charge) of 1.00% and c) contract level charges consisting of: i) the $35.00 annual contract fee (fee is waived for contracts with an accumulation value over $100,000), and ii) for Non-Standardized Average Annual Total Returns (adjusted for all charges) and Standardized Average Annual Total Returns only, the contract’s contingent deferred sales charge. The maximum CDSC is 5%, which would apply upon the surrender of a flexible premium payment contract. Results under a single premium payment contract may be slightly more favorable.


The following funds have asset-based distribution fees (12b-1 fees) that were imposed on the dates noted. Returns for these funds prior to the dates on which these fees were imposed do not include the effects of the 12b-1 fees and returns listed would have been lower for these funds if these fees had been in place and reflected in the performance. All time periods for any funds not listed below reflect the effects of any applicable 12b-1 fees.



AB VPS Sustainable Global Thematic Portfolio (Class B) 9/22/1999
Fidelity VIP Equity-Income Portfolio (Service Class) 11/3/1997
Fidelity VIP Government Money Market Portfolio (Service Class 2) 1/12/2000
Fidelity VIP Growth Opportunities Portfolio (Service Class) 11/3/1997
Fidelity VIP Mid Cap Portfolio (Service Class) 1/12/2000
Invesco V.I. Government Securities Fund (Series II) 9/19/2001
Templeton Growth VIP (Class 2 Shares) 1/6/1999


Risk Disclosure

Certain portfolios may have similar investment objectives and policies and, in some cases, similar names to retail mutual funds managed by the same manager. The portfolios named are not the same funds as the retail funds. As a result, specific investments may be different and investment results may be higher or lower. While all funds involve some risk, including possible loss of principal amount invested, there may be additional risks to consider when investing in certain types of funds or certain types of asset classes that comprise a fund’s portfolio. Below are some common risks associated with certain funds; however, these may not be all of the risks associated with investing in the funds. For information on specific risks associated with the funds available in your contract, please see the fund prospectuses.


[A] Foreign Securities and Emerging Markets Risk. Investments in foreign securities involve special risks, including changes in currency rates, foreign taxation and differences in auditing standards and securities regulations, political uncertainty and greater volatility. These risks are magnified in emerging markets.


[B] Small Cap and Mid Cap Companies Risk. Risks associated with investments in small and mid cap companies include less publicly available information, higher volatility, and less liquidity than investments in larger companies.


[C] Concentration Risk. Investments concentrated in specific industries, market segments, regions or securities may be subject to increased share price volatility.


[D] Debt Securities Risk. Investing in Bond funds or funds that invest any of their assets in debt securities exposes the Policyowner to the general risks of investing in debt markets, such as interest rate, credit, and prepayment risk. Generally, when interest rates rise, bond prices fall, and when interest rates fall, bond prices rise. Therefore, an increase in interest rates would decrease the value of a bond fund's holdings. The ability of an issuer of a debt security to repay principal prior to a security's maturity can cause greater price volatility if interest rates change. Credit risk is the risk that a bond issuer will default by failing to make the required payments on its debt obligations.


[E] High Yield Debt Securities Risk. Investments in high yield bonds or lower rated and unrated debt securities are subject to greater credit risk and price fluctuation than investments in higher-rated securities.


[F] Derivatives Risk. Since the value of a derivative instrument derives from an underlying asset, the use of derivatives involves risks different from, and possibly greater than, the risks associated with investing directly in the underlying assets. Derivatives can be highly volatile, illiquid, and difficult to value.


[G] Alternative Risks. Investing in alternative asset classes involves special risk because they may be highly speculative and leveraged or may use various hedging techniques, like options and derivatives. Hedging techniques could increase losses since they are not reflected in historical standard deviation measurements. Also, there may be unique tax implications if the fund is traded in foreign markets and may be highly dependent on the manager's techniques for investing and selecting appropriate risk. Often, alternative asset classes are subject to less regulation than publicly offered investments because alternatives are not registered under U.S. Securities laws or similar laws in other countries.


[H] Fund of Funds Risk. The risk that the Fund's investment performance and its ability to achieve its investment objective are directly related to and depend on the performance of the underlying securities, such as the closed-end funds or ETFs in which it invests. The Fund's investment in underlying funds exposes the Fund to the risks associated with the types of securities in which the underlying fund invests and the investment techniques that they employ. Market fluctuations will change the weightings of the underlying funds in the Fund's portfolio from their target weightings. The Fund is subject to the risks of the underlying funds in direct proportion to the allocation of its assets among the underlying funds. Shareholders in the Fund will bear the Fund's operating expenses as well as the Fund's proportionate share of the expenses of the underlying funds. It is possible to lose money by investing in underlying funds.


[I] Closed-End Funds Risk. The risk that closed-end funds in which the Fund invests will expose the Fund to negative performance and additional expenses associated with investment in such funds, and increased volatility. Closed-end funds frequently trade at a discount from their net asset value ("NAV"), which may affect whether the Fund will realize gain or loss upon its sale of the closed-end funds' shares. Closed-end funds may employ leverage, which also subjects the closed-end fund to increased risks such as increased volatility.


[J] Exchange-Traded Funds (ETF) Risk. The risk that the ETF will not closely track its benchmark index, or that the value of an ETF will be more volatile than the underlying portfolio of securities the ETF is designed to track, or that the costs to the Fund of owning shares of the ETF will exceed those the Fund would incur by investing in such securities directly.



1Total returns for these investment options reflect the effects of one or more of the following during some or all of the time periods reflected in this report: fee waivers, expense reimbursements or reductions, and offset arrangements. In the absence of such arrangements, total returns would have been lower.


As of May 1, 2022 AB VPS Global Thematic Growth Portfolio (Class B) was renamed AB VPS Sustainable Global Thematic Portfolio (Class B).


Fidelity VIP Government Money Market Portfolio

Yield Based on 7-day period ending 4/22/2024
Current: -1.70% Effective: -1.70%

Investments in the Fidelity VIP Government Money Market Portfolio are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. In addition, during extended periods of low interest rates, and partly as a result of asset-based separate account charges, the yield on this investment option may become low and possibly negative. Although the underlying fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. The 7-day yield quotation is net of all recurring contract fees and charges, is prorated and more closely reflects the current earnings of the Money Market Portfolio than the total return quotation.

All guarantees are backed exclusively by the strength and claims paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC). Individual variable annuities are issued by GIAC, a Delaware corporation, and distributed by Park Avenue Securities LLC (PAS). GIAC and PAS are wholly owned subsidiaries of The Guardian Life Insurance Company of America (Guardian). Guardian, GIAC and PAS are located at 10 Hudson Yards, New York, NY 10001. Contract provisions and investment options vary by state. PAS is a member of FINRA, SIPC.