- ISIN
- US40171W2641
- CUSIP
- 40171W264
- Issuer
- GuideStone Funds
- Inception Date
- Dec 28, 2006
- Category
- Target Retirement Date
- Min. Investment
- $1,000
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
GMFZX Performance Chart
GuideStone Funds MyDestination 2045 Fund (GMFZX) is up 10.1% since the beginning of the year. GMFZX is currently trading at $14 per share. Investors who bought $1,000 worth of GMFZX shares 5 years ago would now be looking at an investment worth $1,561.
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Returns By Period
GuideStone Funds MyDestination 2045 Fund (GMFZX) has returned 10.13% so far this year and 23.90% over the past 12 months. Over the last ten years, GMFZX has returned 10.98% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
GuideStone Funds MyDestination 2045 Fund
- 1D
- 1.12%
- 1M
- 1.54%
- YTD
- 10.13%
- 6M
- 9.88%
- 1Y
- 23.90%
- 3Y*
- 16.49%
- 5Y*
- 9.31%
- 10Y*
- 10.98%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
GMFZX Monthly Returns History
Based on dividend-adjusted daily data since Jan 3, 2007, GMFZX's average daily return is +0.03%, while the average monthly return is +0.65%. At this rate, an investment would double in approximately 8.9 years.
Historically, 62% of months were positive and 38% were negative. The best month was Apr 2009 with a return of +12.6%, while the worst month was Oct 2008 at -19.8%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 6 months.
On a daily basis, GMFZX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +10.7%, while the worst single day was Dec 1, 2008 at -9.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.74% | 1.26% | -5.71% | 8.00% | 3.81% | 0.14% | 10.13% | ||||||
| 2025 | 2.93% | -0.17% | -3.19% | 0.43% | 4.66% | 3.79% | 0.63% | 2.44% | 2.77% | 1.72% | 0.37% | 0.70% | 18.22% |
| 2024 | -0.00% | 3.72% | 2.78% | -3.49% | 4.34% | 1.56% | 2.22% | 2.17% | 1.80% | -1.04% | 2.27% | -2.63% | 14.21% |
| 2023 | 6.73% | -2.90% | 2.47% | 1.21% | -1.09% | 5.03% | 2.97% | -2.60% | -4.01% | -2.49% | 7.95% | 4.91% | 18.70% |
| 2022 | -4.47% | -2.77% | 1.25% | -7.21% | 0.38% | -7.37% | 6.42% | -3.74% | -8.66% | 5.45% | 7.33% | -3.89% | -17.40% |
| 2021 | -0.36% | 2.10% | 2.42% | 3.76% | 1.52% | 0.83% | 0.82% | 2.12% | -3.84% | 4.24% | -1.92% | 3.81% | 16.30% |
Benchmark Metrics
GuideStone Funds MyDestination 2045 Fund has an annualized alpha of -1.18%, beta of 0.91, and R2 of 0.92 versus S&P 500 Index. Calculated based on daily prices since January 03, 2007.
- This fund participated in 97.25% of S&P 500 Index downside but only 88.08% of its upside - more exposed to losses than it benefited from rallies.
- With beta of 0.91 and R2 of 0.92, this fund moves broadly in line with S&P 500 Index - much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- -1.18%
- Beta
- 0.91
- R²
- 0.92
- Upside Capture
- 88.08%
- Downside Capture
- 97.25%
Expense Ratio
GMFZX has an expense ratio of 0.38%, placing it in the medium range.
Return for Risk
Risk / Return Rank
GMFZX ranks 59 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for GuideStone Funds MyDestination 2045 Fund (GMFZX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| GMFZX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.04 | ||
| Sortino ratioReturn per unit of downside risk | +0.12 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.37 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.76 | 2.78 | -0.02 |
| Martin ratioReturn relative to average drawdown | 12.12 | 12.44 | -0.32 |
Dividends
Dividend History
GuideStone Funds MyDestination 2045 Fund provided a 4.09% dividend yield over the last twelve months, with an annual payout of $0.59 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.59 | $0.59 | $0.68 | $0.35 | $0.64 | $0.66 | $0.26 | $0.33 | $0.66 | $0.42 | $0.33 | $1.58 |
Dividend yield | 4.09% | 4.50% | 5.87% | 3.27% | 6.81% | 5.46% | 2.36% | 3.33% | 7.99% | 4.37% | 3.97% | 19.91% |
Monthly Dividends
The table displays the monthly dividend distributions for GuideStone Funds MyDestination 2045 Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.59 | $0.59 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.68 | $0.68 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.35 | $0.35 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.64 | $0.64 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.66 | $0.66 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the GuideStone Funds MyDestination 2045 Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the GuideStone Funds MyDestination 2045 Fund was 60.03%, occurring on Mar 9, 2009. Recovery took 1030 trading sessions.
The current GuideStone Funds MyDestination 2045 Fund drawdown is 0.34%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -60.03%Mar 2009 | 1y 5mo | 4y 1mo | 5y 6moOct 2007 - Apr 2013 |
COVID crash2020 | -30.18%Mar 2020 | 1mo 4d | 5mo 5d | 6mo 9dFeb 2020 - Aug 2020 |
Bear market2022 | -24.61%Oct 2022 | 9mo 10d | 1y 4mo | 2y 1moJan 2022 - Feb 2024 |
2016 bear market2016 | -20.83%Feb 2016 | 8mo 25d | 11mo 19d | 1y 8moMay 2015 - Jan 2017 |
Rate-hike selloffLate 2018 | -17.67%Dec 2018 | 10mo 29d | 6mo 11d | 1y 5moJan 2018 - Jul 2019 |
Drawdown Indicators
| GMFZX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.03% | -56.78% | -3.25% |
Max Drawdown (1Y)Largest decline over 1 year | -8.59% | -9.10% | +0.51% |
Max Drawdown (3Y)Largest decline over 3 years | -14.13% | -18.90% | +4.77% |
Max Drawdown (5Y)Largest decline over 5 years | -24.61% | -25.43% | +0.82% |
Max Drawdown (10Y)Largest decline over 10 years | -30.18% | -33.92% | +3.74% |
Current DrawdownCurrent decline from peak | -0.34% | -1.80% | +1.46% |
Average DrawdownAverage peak-to-trough decline | -9.64% | -10.71% | +1.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.95% | 2.03% | -0.08% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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