Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L SHARES Investment Model Portfolios

Investment options of Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L SHARES

Total Available Funds: 53

Asset Class

Ticker

Description

US EQUITY
LARGE GROWTH	ACAAX	Alger Portfolio Capital Appreciation S
LARGE GROWTH	BILPX	BlackRock Var Srs Large Cap Core Plus III
LARGE VALUE	MALVX	BlackRock Var Srs Large Cap Value III
LARGE GROWTH	NMTBX	Columbia VIT I Marsico 21 B
LARGE GROWTH	NGIBX	Columbia VIT I Marsico Growth B
SMALL VALUE	CSSBX	Columbia VIT Small Cap Value B
Small Growth	CGOBX	Columbia VIT Small Cap Growth B
LARGE GROWTH	FCNTX	Fidelity V2 Contrafund S2
Mid-Cap Growth	FMCCX	Fidelity V3 Mid Cap S2
LARGE GROWTH	FKGRX	Franklin VIP Growth 2
LARGE VALUE	TESIX	Franklin VIP Mut Shares 2
SMALL VALUE	FRVLX	Franklin VIP Small Cap Value 2
LARGE BLEND	CHTRX	Invesco VI Core Plus Equity II
MID-CAP BLEND	GTAGX	Invesco VI Mid Cap Core II
LARGE GROWTH	MFEIX	MFS VIT Growth S
LARGE VALUE	MEIIX	MFS VIT Value S
LARGE GROWTH	OPTFX	Oppenheimer VA Capital Appreciation Svc
SMALL BLEND	OPMSX	Oppenheimer VA Main Street Small Cap Svc
LARGE VALUE	CVFCX	Pioneer VCT Cullen Value II
LARGE VALUE	PEQIX	Pioneer VCT Equity Income II
MID-CAP VALUE	PCGRX	Pioneer VCT Mid Cap Value II
LARGE BLEND	PIODX	Pioneer VCT Pioneer F II
SMALL BLEND	RSPFX	RS Partners VIP Series
LARGE BLEND	GPAFX	RS VP Trust Large Cap Alpha
LARGE BLEND	GUSPX	RS VP Trust S&P 500 Index
Small Growth	RSEGX	RS VP Trust Small Capital Growth

INTERNATIONAL EQUITY
Foreign Large Value	ABIBX	AllianceBern Var International Value B
Foreign Large Blend	EKZAX	Evergreen Var International Equity 2
Foreign Large Blend	FOSFX	Fidelity VIP Overseas S2
Foreign Large Growth	OIGAX	Panorama Srs Opportunities International Growth Svc
Foreign Large Growth	GUBGX	RS VP Trust International Growth

Others
World Allocation	MALOX	BlackRock Var Srs Global Allocation III
Moderate Allocation	LAABX	Columbia VIT Asset Allocation B
ROOT	QDFPA	Davis Financial
Conservative Allocation	FKINX	Franklin VIP Income Security 2
Utilities	MMUIX	MFS VIT Utility S
Miscellaneous – Income and Real Property	MGBEX	PIMCO VIT Low Duration Adv
Natural Resources	RSNRX	RS VP Trust Global NatRes II
ROOT	CASH	RS VP Trust Money Market
Technology	SLMCX	Seligman Portfolio Comms & Info 2
ROOT	NoTicker	UIF US Mid Cap Value II
ROOT	NoTicker	Value Line Strategic Asset Mgt

FIXED INCOME
Intermediate-Term Bond	FBNDX	Fidelity V5 Investment Grade Bond S2
WORLD BOND	TPINX	Franklin VIP Global Bond 2
Intermediate Government	FKUSX	Franklin VIP US Government 2
Multisector Bond	OPSIX	Oppenheimer VA Global St In Svc
Inflation-Protected Bond	PRTNX	PIMCO VIT Real Return Adv
Intermediate-Term Bond	PTTAX	PIMCO VIT Total Return Adv
High Yield Bond	GUHYX	RS VP Trust High Yield Bond
Intermediate-Term Bond	GUIQX	RS VP Trust Inv Quality Bond
Short-Term Bond	RLDAX	RS VP Trust Low Duration Bond

REAL ESTATE
Global Real Estate	IGREX	Invesco VI Global Real Estate II

Emerging Market
DIVERSIFIED EMERGING MKTS	GBEMX	RS VP Trust Emerging Markets

Investment model portfolios

We provide two types of investment model portfolios for Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L SHARES participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Inception
Guardian Insurance & Annuity Company THE GUARDIAN INVESTOR VARIABLE ANNUITY SERIES L 4-YEAR CDSC L SHARES Tactical Asset Allocation Moderate	NA	25.35%	5.56%	5.90%	4.42%	5.61%	8.69%	8.93%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	37.82%	8.86%	15.20%	12.89%	14.04%	10.46%	8.70%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	22.89%	2.25%	6.63%	6.01%	7.19%	6.10%	5.79%

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Inception	YTD	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Guardian Insu... Moderate	-1.03	25.35	5.56	5.90	4.42	5.61	8.69	8.93	NA	13.35	12.98	-11.47	9.63	3.84	11.18	-8.36	10.37	7.02	-3.15	0.29	15.93	9.94	3.04	8.44	20.56	7.49	21.39	21.60	16.01	16.65	23.67	-2.01	4.42	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	8.70	NA	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA...R SHARES)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	5.79	NA	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Guardian Insu... Moderate	NA	0.66	0.04	0.21	0.23	NA	NA	0.70	0.06	0.55	0.91	-1.20	0.88	0.16	1.55	-0.96	1.47	0.84	-0.33	0.03	2.02	1.20	0.21	0.74	1.89	1.07	1.37	1.71	1.88	1.49	3.58	-0.68	0.40	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	0.60	0.95	0.80	0.65	NA	NA	0.45	0.51	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA...R SHARES)	NA	0.62	0.74	0.50	0.48	NA	NA	0.51	0.88	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Guardian Insu... Moderate	NA	12.36	10.99	13.97	11.47	NA	NA	10.34	15.10	12.34	9.54	10.74	10.95	22.21	6.28	10.04	6.61	8.10	9.68	9.11	7.86	8.24	14.25	11.33	10.84	6.14	13.40	10.73	7.36	10.55	6.42	4.60	5.22	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	19.74	17.13	17.38	18.46	NA	NA	18.09	23.24	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA...R SHARES)	NA	10.45	10.08	10.06	10.41	NA	NA	11.48	11.95	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Guardian Insu... Moderate	NA	8.23	16.24	28.76	28.76	NA	NA	28.76	1.36	8.23	8.22	16.24	5.67	28.76	3.39	14.73	3.49	5.09	11.07	8.33	7.88	6.89	13.74	9.54	5.81	2.97	11.23	14.00	6.34	12.90	2.96	8.15	6.51	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	18.76	18.76	24.59	33.83	NA	NA	55.25	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA...R SHARES)	NA	9.62	12.88	22.29	22.43	NA	NA	41.18	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Guardian Insu... Moderate	NA	5.35	5.07	5.43	5.79	NA	NA	0.00	NA	1.40	5.32	3.09	6.64	5.53	6.13	2.68	2.57	5.62	15.19	4.12	6.39	2.89	4.62	4.07	4.29	4.81	12.02	10.91	6.61	4.36	3.07	5.07	4.93	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VSMGX (VANGUA...R SHARES)	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, AR inception is 12/31/2000

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